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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Hawaii Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Total disability, Residual disability, Probationary period, Own occupation, Presumptive disability, Waiver of premium, Recurrent disability, 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. In a disability income policy, the period between the onset of disability and when benefits begin is the:

Elimination (waiting) period

The elimination period is the waiting time after disability begins before benefits become payable.

2. The maximum length of time a disability income policy will pay benefits for a single disability is the:

Benefit period

The benefit period is the longest time benefits will be paid for one period of disability.

3. Total disability under a typical disability income policy generally means the insured is:

Unable to perform the duties of an occupation as defined in the policy

Total disability is defined by the policy in terms of the insured's inability to perform occupational duties.

4. Residual (partial) disability benefits in a disability income policy are designed to:

Pay a reduced benefit when the insured returns to work at a lower income

Residual disability benefits pay a partial benefit reflecting income lost when the 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.