Lavell owns an individual disability policy with a benefit duration of one year. The policy provides 60% of pre-disability income after a 90-day waiting period, and it contains a recurrent-disability clause that establishes a 6-month time frame. Lavell was disabled for the first nine months of the year after a serious illness; however, he has recovered and returned to work six weeks ago. Unfortunately, he just stopped work again due to injuries incurred from an automobile accident that occurred during a weekend trip to Vail. Which of the following statements is correct?
Group of answer choices
Lavell can immediately begin to collect disability income because the auto accident occurred within the 6-month “recurrent-disability” time frame
The individual disability policy will not cover loss income from the car accident; rather, Lavell’s loss of income is indemnified by the automobile policy
Since Lavell is employed, he will receive benefits related to the auto accident from the employer-provided Worker’s Compensation
The recurrent-disability clause does not apply in this case because the disability is due to an unrelated event and a new waiting period applies.