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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Illinois Accident & Health exam — 44 practice questions.

Subtopics: Elimination period, Own occupation, Residual disability, Presumptive disability, Relation of earnings, Any occupation, 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, 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:

A waiting period before benefits begin

The elimination period is a waiting period after a disability begins before benefits are payable.

2. An own-occupation disability definition pays benefits if the insured cannot perform:

The duties of his or her own occupation

An own-occupation definition pays when the insured cannot perform the duties of his or her own occupation.

3. Residual or partial disability benefits are generally based on the insured's:

Loss of income

Residual disability benefits are proportionate to the insured's loss of income.

4. Presumptive disability automatically pays full benefits for losses such as:

Loss of sight or of two limbs

Presumptive disability pays full benefits for severe losses such as sight speech hearing or two limbs.

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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.