In the context of living benefits insurance, “recurrent disability” refers to a situation where an insured person’s disability benefits can resume immediately if the insured person becomes disabled again due to the same or a related condition within a specified period after returning to full-time work. The length of this period depends on the policy (some policies set it by occupation class), so check your policy. Importantly, the waiting period does not need to be satisfied again for the benefits to resume.
Key aspects of recurrent disability include:
Immediate benefit resumption
Benefits resume without a new waiting period if the disability reoccurs.
Specified period
The recurrence must occur within the period set by the policy after returning to work.
Same or related disability
The disability must be the same or related to the initial condition.