Under a disability income policy, which provision would apply if the cause of an injury is accidental?

• A. Elimination period
• B. Mysterious disappearance provision
• C. Partial disability provision
• D. Accidental bodily injury provision

Answer: (D)

When a disability income policy ties benefits to an injury caused by an external event, the provision used is the accidental bodily injury provision. This clause defines an injury as the direct result of an accident and typically covers benefits for losses that come from that external, unforeseen event, rather than from illness or gradual wear. Since the question specifies that the injury’s cause is accidental, this provision is the one that would apply, linking the payout to the accident-driven injury and the policy’s definitions of loss and disability.

Elimination period is merely the waiting period before benefits begin and isn’t about the cause of the injury. Partial disability provisions handle reduced function from any cause, but aren’t specifically about injuries caused by accidents. The mysterious disappearance provision is a life insurance clause related to disappearance, not disability income.