Reference no: EM132905625

Problem 1: Miranda fell off her bike commuting to work, shattering her shoulder and requiring surgery. Miranda had to take 6 months off work and was able to collect benefits after the 60-day waiting period on her policy. Less than six weeks after returning to work on the assembly line at a cheese grater manufacturing facility, Miranda now needs to take another 5 months off because the repetitive motion of her job has aggravated her shoulder injury. Which of the following statements is CORRECT with respect to Miranda's disability insurance benefit for the second occurrence of her shoulder injury?

a) Miranda's disability insurance policy will not likely pay an additional benefit for the same injury to her shoulder.

b) If Miranda has a recurrent disability clause, she will not have to wait the 60 days to begin receiving income.

c) If Miranda has a recurrent disability clause, she will be subject to another 60-day waiting period on the second occurrence.

d) Without the recurrent disability clause, both of Miranda's disability periods will be treated as one when determining her benefit period.