Under which provision might an insured be deemed totally disabled after losing sight in both eyes?

The correct choice is presumptive total disability. Under this provision, an insured person is automatically considered to be totally disabled if they suffer specific losses, such as the total and irreversible loss of sight in both eyes. This means that the individual does not need to prove their inability to work due to the disability; the condition itself is sufficient to qualify for total disability benefits.

In the context of this question, the relevance of presumptive total disability lies in the fact that it acknowledges certain severe impairments without requiring further evidence of their impact on the insured's ability to perform their occupational duties. This provision streamlines the process for policyholders facing life-altering conditions, ensuring they receive assistance without the burden of additional documentation.

While other options might pertain to different types of disabilities, they do not directly apply to the context of losing sight in both eyes with the same level of automatic qualification. Regular occupation total disability, for instance, refers to an inability to perform one’s specific job duties, which would require demonstrating the effects of the impairment on those functions. Recurrent disability addresses a situation where a previously disabled individual reverts to a state of disability after returning to work, while residual disability covers a situation where the insured can work but at a reduced capacity. Thus