Which of the following conditions would typically trigger a 'Presumptive Disability' benefit?

Question: Which of the following conditions would typically trigger a 'Presumptive Disability' benefit?

Answer options: ✅ Total loss of sight, speech, hearing, or use of two limbs.

• Any injury that prevents a person from working for more than 12 months.
• A disability that is expected to result in death within 24 months.
• The loss of any single index finger or toe.

Correct answer: Total loss of sight, speech, hearing, or use of two limbs.

Explanation: Under the 'Presumptive Disability' provision, an insured is considered totally disabled even if they can still work, if they suffer a total and permanent loss of sight, hearing, speech, or the use of two limbs.