This Insurance Glossary of Terms is produced and maintained by the National Alliance Research Academy. 
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Presumptive Disability

In a disability income policy, a percentage of disability that will be considered without a waiting period if the insured suffers the total and complete loss of a specific body part, body functions, or senses. Examples include speech, hearing in both ears, sight in both eyes, use of one hand and one foot, use of both hands, sight in one eye, and use of one hand or foot.

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