What is meant by 'presumptive disability' in a disability insurance policy?

Question: What is meant by 'presumptive disability' in a disability insurance policy?

Answer options:

• A disability that is likely to happen based on the insured's hobbies.
• A disability that lasts longer than 90 days. ✅ A condition where the insured is automatically deemed totally disabled, such as loss of sight.
• A disability that recurs within 6 months of returning to work.

Correct answer: A condition where the insured is automatically deemed totally disabled, such as loss of sight.

Explanation: Presumptive disability allows the insured to receive total disability benefits if they suffer a specific loss (like total blindness or loss of two limbs), regardless of whether they can still work or earn an income.