In what scenario would a claimant receive the maximum benefits under two overlapping policies?

In a situation where both insurance policies allow for costs up to their respective limits, a claimant can receive the maximum benefits possible from both policies. Each policy will pay out to the extent of its limits, effectively stacking the benefits, provided that the coverage from both applies to the same event or claim.

This scenario takes into account that there is no conflict or provision in the policies that limits payment due to other coverage. It is essential for the policies to be written in a way that does not allow for adjustment or reduction of benefits when another policy is in play. When both policies clearly state they can cover the same costs independently and up to their limits, the claimant can benefit fully from both, maximizing their received amount.

In contrast, the other options present scenarios where maximum benefits under overlapping policies would not be fully realized. For example, if one policy denies coverage, the claimant would not receive any benefits from that policy, limiting their total potential payout. Changes in employment terms and prorating benefits could also limit or reduce what an individual may receive under the assumptions of overlapping coverage. Thus, receiving maximum benefits under overlapping policies hinges on both policies being compliant and allowing full benefits without reduction.