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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Maryland Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Any occupation, Residual benefit, Probationary period, Presumptive disability, Benefit taxation, Social insurance supplement, Residual disability, 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. The elimination period in a disability income policy is:

A waiting period before benefits begin

The elimination period is the time between the start of disability and the start of benefit payments; longer periods lower the premium.

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

How long benefits are paid

The benefit period is the maximum length of time benefits will be paid for a covered disability.

3. An 'own-occupation' definition of total disability generally pays if the insured cannot:

Perform the duties of their own occupation

Own-occupation coverage pays when the insured cannot perform the duties of their specific occupation, a broader (more favorable) definition.

4. An 'any-occupation' definition of total disability is generally:

More restrictive than own-occupation

Any-occupation requires inability to perform any job for which the insured is reasonably suited, a stricter (less favorable) standard.

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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.