True or False: Recurring disability is treated as a new claim.

Recurring disability is generally treated as a continuation of the original claim rather than a new claim. This approach ensures that if a disability recurs after a period of recovery, it is still connected to the initial event or condition covered by the policy. Insurers often have specific provisions addressing this, allowing for seamless continuation of benefits without starting a new claim process, as long as the recurrence is linked to the original disability.

In many cases, the insurer may define a specific time frame within which a recurring condition is still considered part of the original claim, typically outlined in the policy language. As a result, any recurrence of the same disability after the insured has returned to work would not necessarily require the claimant to initiate a new claim. Instead, the insurer continues to manage it under the existing claim, simplifying the process for the insured.

In contrast, making a recurring disability a new claim would complicate the claims process and potentially alter the benefits received based on the different definitions and provisions that may apply to new claims versus ongoing claims. Therefore, the assertion that recurring disability is treated as a new claim is false.