What is a recurrent disability?

What is a recurrent disability?

• A. A relapse after more than 12 months.
• B. When an employee returns to work after a disability but relapses from the same condition, often without a new elimination period if within 6 months.
• C. A new disability due to a different condition.
• D. Disability that occurs only during holidays.

Answer: (B)

Recurrent disability describes a new episode of disability that occurs after someone has returned to work, due to the same condition. If this relapse happens within a defined window—often six months—the policy treats it as part of the same illness and typically does not require a new elimination period. That’s why this option best matches the concept: returning to work and then relapsing from the same condition within a short time, with no new waiting period. It differs from a completely new disability caused by a different condition, or a relapse after a long time, or disability that only happens during holidays.

Recurrent disability describes a new episode of disability that occurs after someone has returned to work, due to the same condition. If this relapse happens within a defined window—often six months—the policy treats it as part of the same illness and typically does not require a new elimination period. That’s why this option best matches the concept: returning to work and then relapsing from the same condition within a short time, with no new waiting period. It differs from a completely new disability caused by a different condition, or a relapse after a long time, or disability that only happens during holidays.