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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Arizona Accident & Health exam — 46 practice questions.

Subtopics: Own occupation, Residual disability, Benefit period, Recurrent disability, Presumptive disability, Waiver of premium, Cost-of-living rider, Any occupation, Elimination period effect, COLA rider, Future increase option, Benefit limits, 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 disability pays benefits when the insured cannot:

Perform the substantial duties of their own occupation

An own-occupation definition is more liberal, paying when the insured cannot perform the duties of their specific occupation.

2. A residual disability benefit is designed to:

Pay a partial benefit based on lost income when the insured works at reduced capacity

Residual benefits pay in proportion to income lost when the insured can work but at reduced earnings due to disability.

3. The benefit period in a disability income policy is:

The maximum length of time benefits are paid for a disability

The benefit period is the longest time the policy will pay benefits for a single period of disability.

4. A recurrent disability provision determines whether a later period of disability is treated as:

A continuation of the prior claim or a new one based on the time between them

If a disability recurs within the stated time, it is treated as a continuation; after that time, it is a new disability with a new elimination period.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.