Presumptive Total Disability

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Presumptive Total Disability Presumptive disabilities are medical conditions that qualify for disability benefits and can be easily identified or “presumed.” The grounds for presumptive total disability, a total and permanent loss because of injury or illness, can be defined as one of the following: *Loss of speech; *Loss of hearing in both ears, not restorable by hearing aids; *Loss of sight in both eyes - This means that both eyes must measure at or below 20/200 after efforts have been made to correct vision; *Loss of use of both hands; *Loss of use of both feet; or *Loss of use of one hand and one foot. Benefits are payable until you are able to return to work or until you reach your Maximum Benefit Period (based on the age you become disabled) or based on the condition causing your disability. Examples of disabling conditions that may qualify you for Presumptive Disability include total deafness, total blindness, amputation of the leg at the hip, confinement to bed or a wheelchair, a stroke resulting in the inability to walk or use one hand, cerebral palsy, muscular dystrophy, certain cancers. Even if the nature of your disability is such that Social Security presumes that you are disabled, you can still be denied benefits if investigation reveals that you fail the Social Security means test. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful

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