Arizona Life and Health Practice Exam

Which of the following events would NOT trigger a benefit under the presumptive disability provision?

1. Loss of eyesight

2. Loss of hearing

3. Loss of any one limb

4. Loss of speech

The correct answer is: Loss of any one limb

The presumptive disability provision in insurance policies is designed to provide immediate benefits without the need for extensive documentation of a disability, as it recognizes certain conditions as inherently disabling. Loss of eyesight, loss of hearing, and loss of speech are all conditions that are typically considered as presumptive disabilities because they significantly impair a person's ability to function in daily life and are not subject to subjective interpretation. On the other hand, the loss of any one limb may not trigger the presumptive disability provision in some policies because the impact of losing a limb can vary greatly from person to person. For some individuals, the loss of a limb might not result in a total disability that prevents them from working or performing daily tasks, particularly if they adapt well or have access to prosthetics. Hence, a loss of a limb does not automatically qualify for immediate benefits under the presumptive disability provision as the other options do. As a result, the correct answer centers on the understanding that the loss of one limb is judged differently from the other specified disabilities, which are universally acknowledged to result in significant impairment.