A condition such as total and permanent blindness or loss of two limbs which automatically causes an insured to be considered totally disabled.
A disability involving the loss of sight, hearing, speech, or any two limbs, and which is presumed to be a permanent and total disability. In such cases, the insurer does not require the insured to submit to periodic medical examinations to prove continuing disability.
The presumption that the insured is totally disabled, even if still at work, if sickness or injury results in the total and complete loss of sight in both eyes, hearing in both ears, power of speech, or use of any two limbs. The elimination period is waived from the date of the loss and total disability benefits are payable while such loss continues until the end of the benefit period.
According to the terms of some disability income policies, a stated condition that if present, automatically causes the insured to be considered totally disabled and thus eligible to receive disability income benefits. Examples of presumptive disabilities include total and permanent blindness or loss of two limbs.
A condition that, if present, automatically causes an insured to be considered totally disabled and entitles the insured to receive a disability policy's full income benefit. Examples of presumptive disabilities are total and permanent blindness or loss of two limbs.
A status granted to Supplemental Security Income (SSI) applicants who have a high chance of being found disabled according to Social Security Administration (SSA) standards. If the SSA finds you presumptively disabled, they will begin benefit payments while your application is still being reviewed. The SSA may find you presumptively disabled if you meet the medical criteria of the Blue Book Listing of Impairments or if you have HIV/AIDS and meet the criteria of SSA Form 4814. In either case, you must also meet SSI financial requirements to be eligible for presumptive disability benefits. Repayments of presumptive disability benefits are not required even if SSI benefits are ultimately denied.
