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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Massachusetts Accident & Health exam — 45 practice questions.

Subtopics: Elimination period, Benefit period, Definition of disability, Residual disability, Probationary period, Presumptive disability, Own occupation, Any occupation, Recurrent disability, Elimination period effect, 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. In a disability income policy, the elimination period is best described as the:

Time after disability begins before benefits are payable

The elimination period is a waiting period after disability begins before benefit payments start.

2. The benefit period in a disability income policy refers to the:

Length of time benefits will be paid for a covered disability

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

3. A policy that pays benefits when the insured cannot perform the duties of their own occupation uses:

An own-occupation definition

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

4. A residual or partial disability benefit is intended to:

Replace income lost when the insured can work only part-time or at reduced earnings

Residual disability benefits address the income loss when an insured returns to work at reduced capacity or 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 Insurance Department and the exam administrator before relying on it.