Arizona Life and Health Practice Exam

What is described when a person returns to work after receiving disability benefits and then becomes disabled again from the same cause?

1. Permanent Disability

2. Temporary Disability

3. Recurrent Disability

4. Long-Term Disability

The correct answer is: Recurrent Disability

When a person goes back to work after receiving disability benefits and then experiences a subsequent disability from the same cause, this situation is identified as recurrent disability. This term specifically addresses scenarios where an individual’s initial disability, which led to benefits, reoccurs after a period of recovery and return to work. Recurrent disability is significant in insurance terms because it often influences the continuation or reinstatement of benefits. This classification helps determine whether an individual is eligible for additional benefits without having to requalify under different conditions. It reflects the nuanced understanding that some conditions may not be fully resolved, leading to repeated claims related to the same underlying issues. In contrast, other options refer to different conditions. Permanent disability indicates a lasting impairment that affects the ability to work indefinitely. Temporary disability pertains to a short-term inability to work but does not imply a recurrence. Long-term disability generally covers extended periods but does not account for the specific context of returning to work and then re-experiencing the disability from the same cause. Thus, recurrent disability accurately captures the essence of the situation described in the question.