Health and Life Insurance

Category - Disability

As part of her organic local food support, aspiring chef Laura purchases canned vegetables from a roadside “farmer.” Prior to sharing her creations with friends and family, Laura receives a diagnosis of clostridium botulinum, the bacteria that causes botulism. Laura is confined to the hospital on a breathing apparatus and is having nervous system problems. Although the prognosis is good, Laura will be unable to work during recovery. What type of disability is this?
  1. Partial disability
  2. Residual disability
  3. Recurrent disability
  4. Temporary disability
Explanation
Answer: D - Laura is experiencing a temporary disability. Although the nervous system problems can last for up to one year, early detection and treatment may limit any long lasting effects. The temporary disability means that although she cannot currently work, she is expected to make a full recovery. Once fully recovered, Laura will be able to return to work and come off of disability.
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