If a person only utilizes 12 months of their 60-month benefit period, what is the situation if disability reoccurs?

When an individual is covered under a policy that offers a benefit period of 60 months, they are entitled to receive benefits for a total of 60 months due to a disability. If they have only utilized 12 months of their benefit period, this means they have not exhausted their full entitlement.

In the event that the individual experiences a recurrence of their disability after utilizing 12 months of benefits, the remaining portion of the benefit period still counts as available. Specifically, since they have used 12 months, they have 48 months of benefits left for any subsequent claims related to the same or a different disabling condition.

This situation maintains the principle of providing continuous support that the original policy intended. It's crucial to understand that as long as the individual remains disabled and the policy is active, they can claim benefits from the remaining available months, which in this case is indeed 48 months.