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Free Disability Income Insurance Practice Questions

Delaware Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Cost of living rider, Business overhead expense, Social insurance supplement, Any occupation, Elimination period effect, COLA rider, Future increase option, Benefit limits, Waiver of premium, Short-term disability, Social insurance offset, 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. The elimination period in a disability income policy is best described as:

The waiting time after a disability begins before benefits are payable

The elimination period is a waiting period after disability begins during which no benefits are paid, functioning like a time deductible.

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

The maximum length of time benefits will be paid for a disability

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

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

Their own regular occupation

An own-occupation definition is more liberal and pays when the insured cannot perform their own occupation's duties.

4. Residual disability benefits are generally paid when the insured:

Returns to work but suffers a loss of income from the disability

Residual disability benefits replace part of the income lost when a partially disabled insured returns to work at reduced earnings.

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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.