What type of disability allows an insured to receive benefits after returning to work?

Presumptive disability is a type of disability that allows an insured individual to receive benefits despite their return to work. This is based on the assumption that the condition is severe enough to prevent the individual from performing any occupation effectively. In cases of presumptive disability, specific conditions, such as loss of vision, limbs, or hearing, are considered to automatically qualify the insured for benefits without the need for further proof of inability to work.

This differs from other types of disabilities, such as total disability, which typically requires an insured to be completely unable to engage in any work, and temporary disability, which only covers benefits during a period of incapacity. Permanent disability indicates a lasting condition that prevents work indefinitely, but does not necessarily imply that benefits can be received after returning to work. Therefore, the nature of presumptive disability focuses on the severity of the condition, allowing benefits to continue if the individual returns to work, rather than solely on their ability to perform traditional job functions.