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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Maine Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Cost of living adjustment, Business overhead expense, Probationary period, Any occupation, Elimination period effect, COLA rider, Future increase option, Benefit limits, Waiver of premium, 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. The elimination period in a disability income policy is:

The waiting period after a disability begins before benefits are payable

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

2. The maximum length of time disability benefits will be paid for a single disability is the:

Benefit period

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

3. An own-occupation definition of total disability pays benefits when the insured cannot:

Perform the material duties of their own occupation

An own-occupation definition pays when the insured cannot perform the duties of their own occupation even if able to do other work.

4. Residual disability benefits are designed to:

Pay a reduced benefit based on lost income when the insured works at reduced earnings

Residual benefits pay a partial benefit proportional to the income the insured loses while working at reduced capacity.

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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.