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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Kentucky Accident & Health exam — 48 practice questions.

Subtopics: Total disability, Elimination period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Waiver of premium, Business overhead expense, Cost of living adjustment, Any occupation, Elimination period effect, Benefit period, COLA rider, Future increase option, Benefit limits, 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. A common definition of total disability in a disability income policy is the insured's inability to:

Perform the material duties of an occupation as defined in the policy

Disability income policies define total disability in terms of the insured's inability to perform the material duties of an occupation as the policy specifies.

2. The elimination period in a disability income policy is best described as the:

Time after a disability begins before benefits start

The elimination period is a waiting period after a disability begins before benefit payments start, functioning like a time deductible.

3. An own-occupation definition of disability is generally more favorable to the insured than an any-occupation definition because it pays when the insured cannot perform:

The duties of their own occupation even if able to do other work

Own-occupation pays if the insured cannot perform their own occupation, even if able to work in another field, which is broader protection than any-occupation.

4. A residual (partial) disability benefit pays when the insured:

Returns to work but suffers a loss of income due to the disability

Residual disability benefits replace part of the income lost when a partially disabled 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 Pennsylvania Insurance Department and the exam administrator before relying on it.