Recurrent Disability Benefit

• Less than Six Months - Insured can begin receiving benefits without another elimination period if the same disability returns prior to six months of returning to full time work.
• After Six Months - Insured can also begin receiving benefits again if a relapse of the same disability occurs after six months of returning to full-time work or if he or she experiences a different disability at any time. Each eligible period is subject to a new elimination period and the age 65 benefit limit.