Under which provision may an insurer cover a second disability without a new elimination period?

The correct choice relates to the Recurrent Disability provision, which is specifically designed to address situations where a policyholder experiences a subsequent period of disability that is related to a prior disability. Under this provision, if a person becomes disabled again after returning to work, the insurer may not require a new elimination period if the new disability is a recurrence of a previous condition. This is significant because it provides a safety net for individuals who may face ongoing health issues without penalizing them for interruptions in work due to related disabilities.

In contrast, the Continuous Disability provision generally addresses continuous coverage for a single disability without new elimination periods, but does not specifically cater to the scenario of a new disabling event following a recovery. The Temporary Disability provision typically refers to short-term disabilities and may not offer the same level of coverage continuity. Lastly, the Transitional Disability provision focuses on the transition back to work after disability but does not specifically provide for the coverage of subsequent disabilities without requiring a new elimination period. Thus, the Recurrent Disability provision is uniquely suited to ensure continued coverage for the same underlying issue, reinforcing support for those dealing with chronic or recurring health challenges.