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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Indiana Accident & Health exam — 48 practice questions.

Subtopics: Benefit period, Own occupation, Any occupation, Residual disability, Recurrent disability, Presumptive disability, Business overhead expense, Social insurance supplement, Cost of living adjustment, 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 maximum length of time a disability income policy will pay benefits for a single disability is called what?

Benefit period

The benefit period is the maximum duration over which disability income benefits will be paid for a covered disability.

2. An own-occupation definition of total disability generally considers an insured disabled when unable to do what?

Perform the duties of their own occupation

Under an own-occupation definition, the insured is disabled if unable to perform the duties of their specific occupation.

3. An any-occupation definition of total disability is generally what compared with own-occupation?

Stricter and harder to qualify for benefits

The any-occupation definition is stricter because the insured must be unable to work in any reasonable occupation to collect.

4. A residual disability benefit is designed to do what?

Pay a partial benefit proportional to lost income

Residual disability pays a partial benefit based on the percentage of income the insured loses while partially disabled.

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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.