Joe is qualified for disability benefits as a result of an off the job accident. He returns to work after 9 months. Unfortunately, Joe has a heart attack and must go out on disability again. Which of the following is true?
Joe will continue benefits without a new waiting period.
Joe will have to satisfy a new elimination period since the new disability is not related to the first.
Since the disabilities are not related, there is a mandatory 6-month wait for new benefits.
Premiums will be waived regardless of the waiting period.
Correct
Joe will have to satisfy a new elimination period. If Joe had gone out as a result of the same accident, his coverage would have continued without interruption. Since this is an unrelated disability, it will be subject to a new elimination period.
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