A recurrent provision is a clause or provision that may be included in a long term disability insurance policy. This provision applies in cases where an insured individual has returned to work after a period of disability, but subsequently experiences a recurrence of the same or related medical condition that caused the initial disability.
The recurrent provision typically provides that if the individual becomes disabled again within a certain period of time after returning to work, the recurrent disability will be considered a continuation of the initial disability, and the individual will not have to satisfy a new elimination period or meet any other new requirements in order to be eligible for benefits.
For example, suppose an insured individual became disabled due to a heart condition and received disability benefits for six months before returning to work. If the individual returns to work and then experiences a recurrence of the heart condition within six months of returning to work, the recurrent provision would apply, and the individual would not have to satisfy a new elimination period or meet any new requirements to be eligible for benefits. The benefits would continue from where they left off when the individual first became disabled.
The recurrent provision can be an important consideration when selecting a long term disability insurance policy, as it provides a level of protection and continuity of benefits for individuals who experience a recurrence of a disabling condition. It is important to carefully review the terms and conditions of any recurrent provision in a policy to ensure that it meets the individual’s needs and expectations.