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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Nebraska Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own-occupation, Any-occupation, Residual disability, Presumptive disability, Probationary period, Relation of earnings to insurance, Business overhead expense, 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, Disability buy-sell, Key employee DI, Social Security disability definition, Probationary period DI, 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 waiting period at the start of a disability claim before benefit payments begin is the:

Elimination period

The elimination period is a deductible measured in time that must pass before disability benefits start.

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

Benefit period

The benefit period sets the longest time the policy will pay benefits for one continuous disability.

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

Own-occupation definition

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

4. A stricter definition that pays only if the insured cannot work at any job for which they are suited is the:

Any-occupation definition

The any-occupation definition is stricter and pays only when the insured cannot work at any suitable job.

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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.