Practice Quiz

Health and Life Insurance

Category - Disability

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Sasha loses the use of both hands in a freak fishing accident. Because she is a sculptor by training, she will no longer be able to continue to make money. Which type of disability would this most likely be?
  1. Presumptive disability
  2. Partial disability
  3. Temporary disability
  4. Residual disability
Explanation
Answer: A - Because Sasha lost the use of both hands, this would most likely be a presumptive disability. The presumptive disability will qualify the insured to total disability regardless of the ability to work. Some considerations that are generally used are: loss of use of any two limbs; a total and permanent blindness; and the loss of speech or hearing.
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