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Brackenridge’s Medical Selection of Life Risks pp 145–162Cite as

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Principles of Disability: Benefits and Underwriting

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Abstract

Disability may be a recent offshoot of the tree of Insurance Medicine, but as Harrison illustrates, its roots can be found deep in the soil of Elizabeth’s England. Pioneering underwriters signed what we now recognize as a contract of insurance not long after Harrison.ii However, a separate contract for disability coverage would not appear for over 250 years.

With us, the poor is commonly divided into three sorts, so that some are poor by impotency, as… the diseased person that is judged to be incurable: the second are poor by casualty… as the wounded soldier: the third consisteth of the thriftless poor as the rioter that hath consumed all…

For the first two sorts… which are the poor indeed, and for whom the word doth bind us to make some daily provision, there is order taken throughout every parish in the realm, that weekly collection shall be made for their help and sustentation…

William Harrison, Description of England, 15871

We will pay the Disability Benefit in any month after the Insured has satisfied the Elimination Period that the Insured is continuously, totally disabled as the result of Sickness until the Policy Anniversary when the Insured’s age is 65.

We will pay the Lifetime Accident Benefit in any month after the Insured has satisfied the Elimination Period that the Insured is continuously, totally disabled as the result of an Accident which began before the Policy Anniversary when the Insured’s age was 65.

Adapted from a modern Individual Disability Policy

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Authors
  1. John Locascio
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Editor information

Editors and Affiliations

  1. Swiss Re Life & Health, London, UK

    R. D. C. Brackenridge MD FRCP (Glasg) (Consulting Medical Officer) & Richard S. Croxson MB FRACP (Cardiologist, Chief Medical Officer) (Consulting Medical Officer) &  (Cardiologist, Chief Medical Officer)

  2. Toronto General Hospital, Toronto, Ontario, Canada

    Ross MacKenzie MD, FRCP (C) FACC (Cardiologist) (Cardiologist)

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© 2006 Palgrave Macmillan, a division of Macmillan Publishers Limited

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Locascio, J. (2006). Principles of Disability: Benefits and Underwriting. In: Brackenridge, R.D.C., Croxson, R.S., MacKenzie, R. (eds) Brackenridge’s Medical Selection of Life Risks. Palgrave Macmillan, London. https://doi.org/10.1007/978-1-349-56632-7_9

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  • DOI: https://doi.org/10.1007/978-1-349-56632-7_9

  • Publisher Name: Palgrave Macmillan, London

  • Print ISBN: 978-1-349-56634-1

  • Online ISBN: 978-1-349-56632-7

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