Which of the following situations is least likely to qualify as a presumptive disability?

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Presumptive disability refers to specific conditions that an insurance policy may recognize as automatically qualifying the insured for disability benefits, without the need for additional proof of disability. This typically includes severe impairments that significantly limit the person’s ability to work and perform daily activities.

The situation that is least likely to qualify as a presumptive disability involves the loss of sight in one eye. While this impairment may result in some level of disability or functional limitation, it does not typically meet the high threshold set by most insurance policies for presumptive disabilities. In many cases, the loss of vision in one eye might not completely prevent a person from working or performing daily functional tasks.

Conversely, the loss of both hands is a clear-cut case of presumptive disability due to the extreme limitation it imposes on an individual's ability to function independently. Similarly, the loss of speech or significant hearing impairment can profoundly impact an individual's capacity to communicate and engage in daily life, leading to automatic qualification for benefits under typical insurance definitions.

Thus, the distinction lies in the severity and impact of the impairment on the individual's overall functional ability. Loss of sight in just one eye, while serious, often does not equate to the total incapacitation envisioned by presumptive disability clauses in insurance policies.

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