Which of the following would not be considered a presumptive disability?

• A. Total blindness
• B. Loss of hearing
• C. Loss of leg or arm
• D. Paralysis

Answer: (C)

Presumptive disability means certain conditions automatically count as total and permanent for disability benefits, so proof of ongoing impairment isn’t required. Common presumptive conditions include total loss of sight, total loss of hearing, or the loss of use of two or more limbs (paralysis of two limbs). Total blindness fits this idea, and loss of hearing also qualifies. Paralysis often meets the criterion of loss of use of two or more limbs, so it would be presumptive too. Losing a single leg or arm does not meet the “two or more limbs” threshold, so it would not be presumptive. That’s why the option describing loss of a leg or arm is the one that would not be considered a presumptive disability.