Almost every carrier offers presumptive disability in their disability insurance policies. Once again, it is the way presumptive disability is defined that is so important. ProVider Plus defines presumptive disability as follows: "you will be totally disabled if a sickness or injury results in a total and complete loss of the sight in both eyes, or the hearing in both ears, the power of speech or the loss of the use of two arms or two legs or one arm and one leg in their entirety." The company also waives any unexpired parts of the elimination period at the date of such loss. This is important because many other policies have changed one or both of the triggers. Many policies say permanent or irrecoverable. ProVider Plus does not require any such loss to be permanent. For example, if your eyes were scratched in an accident and your doctor determined that you needed to have your eyes bandaged and not work for the next several weeks, you may be immediately eligible for a benefit that you could qualify for through presumptive disability. ProVider Plus states that they pay from the date of any such loss and since the elimination period would also be waived from the date of such loss you could be eligible for a benefit from day 1. Another example is if an individual had broken both legs at the same time, missed three days of work and then returned to work but was confined to a wheelchair and was unable to use his or her legs for the next seven weeks, he or she may be eligible to receive benefits because he or she may qualify as being presumptively disabled. Furthermore, if you continue to work full-time with a presumptive disability, ProVider Plus will pay until your recovery.

The Capital Sum Benefit states that if because of sickness or injury, you lose the entire sight in one eye with no possibility of recovery or suffer the complete loss of a hand (severed above the wrist) or a foot (severed above the ankle), the company will pay up to 12 times your monthly benefit. 24 times the monthly benefit is the maximum capital sum benefit that would result from two such losses during your lifetime.