Question 53

The back injury claim exclusion is found in the Impairment rider.

When a prospect suffers a major back injury that is specifically excluded under a Disability Income policy, this exclusion is typically detailed in the Impairment rider. This rider outlines any pre-existing conditions or specific impairments that are not covered by the policy.

A) Guaranteed Insurability rider

The Guaranteed Insurability rider allows policyholders to purchase additional coverage without providing evidence of insurability at certain times. This rider does not pertain to exclusions for specific injuries or conditions, making it incorrect in this context.

B) Recurrent Disability clause

The Recurrent Disability clause pertains to situations where a policyholder becomes disabled again after returning to work. It enables benefits to be paid without a waiting period for a new disability linked to the same condition. However, it does not address exclusions related to pre-existing injuries like the back injury mentioned.

C) Concurrent Disability clause

The Concurrent Disability clause relates to situations where a policyholder faces multiple disabilities simultaneously and outlines how benefits are coordinated. While relevant to the broader topic of disabilities, it does not specifically address exclusions for individual conditions.

D) Impairment rider

The Impairment rider explicitly states any impairments or pre-existing conditions that are excluded from coverage under the Disability Income policy. In this case, the major back injury the prospect suffered is covered under this rider, making it the correct choice.

Conclusion

The Impairment rider is the definitive source for exclusions related to specific injuries, such as the major back injury in question. All other options either pertain to different aspects of disability coverage or do not specifically address exclusions for conditions, reinforcing that Option D is the correct answer.