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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Florida Health (2-40) exam (series 2-40) — 41 practice questions.

Subtopics: Coordination of benefits, Relation of earnings to insurance, Own occupation, Any occupation, Residual disability, Presumptive disability, Recurrent disability, Elimination period effect, Benefit period, 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, 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. Florida's coordination of benefits rules are designed to prevent an insured from:

Recovering more than 100 percent of the covered expense from multiple plans

Coordination of benefits rules prevent an insured from collecting more than the total allowable expense when covered by more than one plan.

2. The optional relation-of-earnings-to-insurance provision in a Florida disability policy allows the insurer to:

Reduce benefits if total disability income would exceed the insured's earnings

The relation-of-earnings provision guards against overinsurance by allowing a proportionate benefit reduction when combined disability income exceeds earnings.

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

The duties of their own regular occupation

Own-occupation (the more liberal definition) pays if the insured cannot perform their own occupation's duties.

4. An 'any occupation' definition of total disability is more restrictive because it pays only when the insured:

Cannot perform any job for which they are reasonably suited by education, training, or experience

Any-occupation pays only if the insured cannot work in any job suited to their education, training, or experience.

All Health (2-40) topics

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.