Paul is an employee who caught a disease unique to the trade in which he was exposed to. Paul has a(n) ________.

Prepare for the Maryland Life and Health Insurance Exam. Utilize flashcards and multiple-choice questions, each with hints and explanations. Achieve success in obtaining your license!

The correct term to describe the condition Paul is experiencing is "occupational disease." An occupational disease is defined as a health issue that is directly linked to the work environment or specific trade, resulting from exposure to harmful substances or conditions typical to that occupation. Since Paul has contracted a disease unique to the trade in which he was involved, it fits the characteristics of an occupational disease.

In contrast, the other options do not apply to this scenario. A genetic predisposition refers to an inherited likelihood of developing a condition due to genetic factors, which does not relate to specific trade exposure. A worksite malady implies a broader concept of illness related to the workplace but lacks the precise legal definition and specificity of an occupational disease. Lastly, a contagious disease refers to illnesses that can be easily spread from one person to another, which is not the case in this instance where the illness arises specifically from work-related exposure rather than person-to-person transmission.

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