Under which provision might a disability policy cover a second disability without a new elimination period?

The recurrent disability provision is designed to provide coverage for a second disability without requiring a new elimination period, provided that the second disability is related to the first one and occurs within a specified timeframe after the insured has returned to work. This provision recognizes that if an individual suffers a subsequent disability that is associated with the initial condition, the need to impose a waiting period again would be unnecessary and burdensome.

This is particularly important in cases where a previous disability's residual effects may lead to new complications or where the insured might have a tendency to experience similar health issues. By eliminating the new elimination period for recurrent disabilities, the policy ensures that individuals can receive support and benefits more seamlessly during a time when they are already facing challenges related to their health.

The other options do not address the specific scenario of covering a second disability without a new elimination period. For instance, a non-contributory provision typically refers to policies where the employer pays the premiums, but it does not pertain to the conditions under which disabilities are covered. The elimination period provision itself outlines the waiting time before benefits kick in, without addressing the handling of recurrent disabilities. Lastly, the lifetime benefit provision relates to the maximum duration of coverage rather than the conditions surrounding recurrent disabilities.