Health Insurance Mastery Practice Exam

What is the definition that describes the inability to perform any or all of the duties of an insured's normal occupation?

1. Total disability

2. Presumptive disability

3. Partial disability

4. Temporary disability

The correct answer is: Presumptive disability

The definition that describes the inability to perform any or all of the duties of an insured's normal occupation is total disability. Total disability specifically refers to a condition where an individual cannot engage in their occupation in any meaningful way, thereby preventing them from carrying out the essential functions of their job, regardless of whether they can perform some other types of work. In contrast, partial disability would indicate that the individual can still perform some duties of their job or some type of work but not all, so this does not align with the definition given. Presumptive disability applies to specific conditions that are automatically considered disabling, regardless of the individual’s occupation. Temporary disability refers to a form of disability that lasts for a limited period, which again does not meet the continuous inability implied in the query. Understanding these distinctions is crucial for determining the appropriate type of coverage and benefits tailored to the insured's specific circumstances.