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Recurrent Disability

Disability resulting from the same or a related cause as a prior disability. In a disability income policy, it is similar to a relapse provision. If an insured suffers a relapse (a disability that is related to a prior disability) and if this relapse occurs within six months of return to work, then the second disability is considered a continuation of the initial disability. This works to the insured's advantage, because the elimination period does not have to be satisfied a second time.

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