In a disability income policy, what does a recurrent disability clause provide?

Why A is correct

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.

Why the other options are wrong

• B) Requiring a new elimination period for a relapse is exactly what the recurrent disability clause is designed to avoid, so this describes the absence of the protection. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
• C) No disability policy pays for life after recovery; benefits are limited by the policy's benefit period, so a lifetime payout is not a clause feature. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
• D) Cancellation after claims is not a feature of a recurrent disability clause; renewability rules, not claim counts, govern whether the insurer may cancel. 该选项描述的续保特征对应的是另一类续保条款，不能张冠李戴。 续保等级与保费锁定能力是续保条款的核心区别，考生须能逐一辨识。 区分续保类型时，关键是看保险公司能否单方终止、变更条款或调整保费。 该选项描述的续保特征对应的是另一类续保条款，不能张冠李戴。 续保等级与保费锁定能力是续保条款的核心区别，考生须能逐一辨识。 区分续保类型时，关键是看保险公司能否单方终止、变更条款或调整保费。

Memory hook

Same illness returns in time = same claim continues. No second elimination period for a familiar relapse.