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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Georgia Accident & Health exam — 45 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Business overhead expense, Any occupation, Recurrent disability, 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. In a disability income policy, the elimination period functions as:

a time deductible before benefits begin

The elimination period is a waiting period that acts as a deductible measured in time before benefits start.

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

the maximum length of time benefits are paid for a disability

The benefit period sets the maximum duration the insurer will pay disability benefits for a covered claim.

3. An 'own-occupation' definition of total disability pays benefits when the insured:

cannot perform the duties of their own occupation

Own-occupation coverage pays when the insured cannot perform the material duties of their own occupation, even if able to do other work.

4. A residual disability benefit:

pays a partial benefit proportional to lost income when the insured works at reduced capacity

Residual benefits pay a partial amount based on the percentage of income lost when the insured returns to work at reduced capacity.

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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.