Recurrent Disability Clause
Prevents an insured who returns to work briefly and then relapses within a stated period from serving a new elimination period, treating it as the same claim.
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Practice This Concept
In a disability income policy, what does a recurrent disability clause provide?
A relapse of the same or related disability within a stated period is treated as a continuation of the prior disability, so no new elimination period applies — A recurrent disability clause protects the insured against a relapse: if the same or related disability recurs within a specified period, commonly within six months to a year, the new period of disability is treated as a continuation of the old one. This means the insured does not have to satisfy a new elimination period, and benefits resume more quickly. If the recurrence happens after the stated period, it is treated as a new disability with a new elimination period, so the clause rewards prompt relapses and simplifies the claims process.
National insurance concept
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