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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Missouri Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Probationary period, Residual disability, Recurrent disability, Presumptive disability, Business overhead expense, Cost-of-living rider, 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. In disability income insurance, the time between the onset of disability and the start of benefit payments is the:

Elimination period

The elimination, or waiting, period is the time before benefits begin after a disability starts.

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

Benefit period

The benefit period is the longest time benefits are payable for one period of disability.

3. A disability income definition that pays if the insured cannot perform the duties of their own occupation is called:

Own occupation

The own-occupation definition is more liberal, paying when the insured cannot perform their specific occupation.

4. A period after a disability policy's effective date during which sickness-related disabilities are not covered is the:

Probationary period

The probationary period excludes coverage for illnesses that begin shortly after the policy takes effect.

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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.