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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Kansas Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Any occupation, Residual benefit, Presumptive disability, Probationary period, Taxation, COLA rider, Residual disability, Recurrent disability, Elimination period effect, 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. In a disability income policy, the elimination period is:

The waiting period before benefits begin

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

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

The length of time benefits are payable for a covered disability

The benefit period is the maximum length of time the policy pays benefits for a covered disability.

3. An own occupation definition of total disability pays benefits if the insured cannot perform:

The duties of their own occupation

An own-occupation definition pays when the insured cannot perform the duties of their own occupation.

4. Compared with own occupation, an any occupation definition of disability is generally:

Stricter, requiring inability to work in any reasonable job

The any-occupation definition is stricter, paying only if the insured cannot work in any job suited to their training and experience.

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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.