presumptive disability benefits definition
Presumptive - Regarding loss of sight, speech, hearing, or any two limbs. The definition of presumptive disability varies among contracts. Some contracts do not even have a presumptive disability insurance provision. The basic idea of presumptive disability is to protect against drastic disabilities that occur suddenly. They generally protect you against the loss of hearing, sight, speech, or the use of any two limbs. This is not a provision for which you pay an extra premium, it is built into most contracts.