No claim discount of 3 % after three continuous claim free years and subsequent claim free years subject to maximum of 15 %. (policybazaar.com)
If the insured has a recurring disability, due to the same problem, once the initial elimination period has been met subsequent claims will not require a new elimination period. (investopedia.com)
But this decision is considered largely administrative, and non-binding, so it has had limited effect on subsequent claims. (slaw.ca)