An insured is in a car accident and permanently loses the use of his leg and becomes blind. To what extent will the insured receive Presumptive Disability benefits if the blindness improves after a month?

Presumptive Disability benefits are designed to provide financial support to individuals who have suffered certain severe disabilities defined by the terms of their insurance policy. In this case, the insured has experienced a permanent loss of the use of a leg and blindness, both of which typically fall under the qualifying conditions for Presumptive Disability benefits.

However, the key aspect of this situation lies in the nature of blindness. Under most Presumptive Disability provisions, if a condition is considered permanent, the insured would be eligible for full benefits, assuming the blindness did not show improvement. The fact that the insured's blindness improves after a month indicates that it may not meet the severity requirements for Presumptive Disability benefits in the long run. Generally, these benefits are not intended for temporary or changing conditions; therefore, since the blindness is no longer permanent, the insured would not qualify for any benefits based on this condition.

The conclusion that no benefits would be received reflects the typical structure of Presumptive Disability provisions, which expect a long-term impact from the qualifying injuries or conditions. If a condition improves or is temporary, the coverage would typically not apply, as the policy is designed to aid those with lasting and significant impairments.