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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Indiana Accident & Health exam — 38 practice questions.

Subtopics: 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, 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

Read the Disability Income Insurance study guide

Sample questions & answers

1. 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.

2. 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.

3. Residual disability benefits are based on:

The proportion of income lost when the insured returns to work part-time

Residual benefits pay a portion of the benefit proportional to the income loss when the insured works at reduced capacity.

4. Presumptive disability provisions pay full benefits, often without the usual proof, for losses such as:

Loss of sight, hearing, speech, or two limbs

Presumptive disability automatically deems the insured totally disabled for severe losses like sight, hearing, speech, or 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 Pennsylvania Insurance Department and the exam administrator before relying on it.