Practice Quiz

Health and Life Insurance

Category - Disability

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Sarah has contracted the roundworm trichinella spiralis from eating undercooked pork. The larvae cysts have invaded her muscles, including the brain and lungs. Because the cysts can remain viable for years she will continue to have muscle weakness and pain. The cysts in her brain have encephalitis which prevents her from being able to hold down a regular job and confines her to the house while she is medically treated. This type of disability is referred to as:
  1. Non-occupational disability
  2. Occupational disability
  3. Any occupation disability
  4. Medically defined disability
Explanation
Answer: D - Sarah has a medically defined disability. Because the cysts of the trichinella spiralis roundworm can remain viable for many years, it could be an extended period of time before Sara is relieved of her muscle pains and the encephalitis clears. Therefore she must remain at home resting. The medically defined disability states the individual must be confined to the house and under the care of a doctor.
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