Practice Quiz

Health and Life Insurance

Category - Disability

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Joseph works in a saw mill that regularly fails safety inspections. After one citation, Joseph gets caught in a saw and loses his hand in the machine. Joseph returns to work and slips on saw dust. Unable to grasp at the rail because he lost his hand, Joseph ends up breaking his leg. What type of disability would cover this?
  1. Temporary disability
  2. Partial disability
  3. Residual disability
  4. Recurrent disability
Explanation
Answer: D - Joseph’s slip and fall that broke his leg would be a recurrent disability. Because the second injury - the broken leg, is caused by the inability to grasp and prevent the fall with his hand, Joseph’s claim would be recurrent. Joseph’s return to work after the original disability will require a new elimination period.
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