Which provision in a disability insurance policy specifies that the insured is considered totally disabled if they suffer the total and irrecoverable loss of sight in both eyes, even if they can still work?

Question: Which provision in a disability insurance policy specifies that the insured is considered totally disabled if they suffer the total and irrecoverable loss of sight in both eyes, even if they can still work?

Answer options:

• Partial disability
• Recurrent disability
• Residual disability ✅ Presumptive disability

Correct answer: Presumptive disability

Explanation: The presumptive disability clause waives the usual requirement to be under a physician's care or unable to work if the insured suffers specific total losses, such as total loss of sight or hearing.