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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Alaska Accident & Health exam — 48 practice questions.

Subtopics: Own occupation, Residual disability, Elimination period, Benefit period, Presumptive disability, Recurrent disability, Probationary period, Business overhead, Cost of living, Any occupation, Elimination period effect, COLA rider, Future increase option, Benefit limits, Waiver of premium, Short-term disability, Social insurance offset, Business overhead expense, Disability buy-sell, Key employee DI, Social Security disability definition, Probationary period DI, Relation of earnings to insurance, Partial disability benefit, Group long-term disability, Accident vs sickness elimination period, Flat benefit amount, Automatic increase rider, Return of premium rider, Additional monthly benefit rider, Hospital confinement rider, Nondisabling injury benefit, Rehabilitation benefit, Survivor benefit, Catastrophic disability rider, Transition benefit, Occupational classification, Income replacement ratio, Workers compensation offset, Group LTD definition of disability, Retroactive benefit, Maximum benefit period to age 65, Disability benefit

Read the Disability Income Insurance study guide

Sample questions & answers

1. An own-occupation definition of total disability pays benefits when the insured cannot:

Perform the duties of their own occupation

An own-occupation definition pays when the insured cannot perform the duties of their regular occupation.

2. A residual disability benefit is designed to:

Pay a partial benefit based on lost income when the insured returns to work part-time

Residual disability pays a partial benefit reflecting income lost when the insured works at reduced capacity.

3. Choosing a longer elimination period on a disability income policy generally results in:

A lower premium

A longer elimination period shifts more risk to the insured and generally lowers the premium.

4. The benefit period in a disability income policy refers to:

The maximum length of time benefits are paid for a disability

The benefit period is the maximum time the policy will pay benefits for a covered disability.

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Practice: Disability Income Insurance

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.