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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Michigan Accident & Health exam — 45 practice questions.

Subtopics: Benefit period, Own occupation, Residual benefit, Taxation, Probationary period, Presumptive disability, Any occupation, 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 maximum length of time a disability income policy pays benefits is the:

Benefit period

The benefit period is the maximum time benefits are payable for a covered disability.

2. An own occupation disability definition pays benefits if the insured cannot perform:

The duties of their own occupation

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

3. A residual disability benefit is designed to:

Pay a partial benefit for loss of income from partial disability

Residual benefits provide partial payments proportional to lost income when the insured is partially disabled.

4. Disability income benefits from an individual policy paid for with after-tax dollars are generally:

Received income-tax-free

Benefits from an individually owned policy paid with after-tax premiums are generally received income-tax-free.

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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.