1. Exam Prep
  2. New Hampshire
  3. Accident & Health
  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

New Hampshire Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Probationary period, Recurrent disability, Business overhead expense, Benefit taxation, 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 best described as the:

Waiting period after a disability begins before benefits are payable

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

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

The maximum length of time benefits will be paid for a disability

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

3. A disability income policy that pays when the insured cannot perform the duties of their own occupation uses which definition of disability?

Own-occupation definition

An own-occupation definition pays when the insured cannot perform the duties of their own occupation, which is more favorable to the insured.

4. Residual or partial disability benefits in a disability income policy generally pay when the insured:

Returns to work at reduced earnings due to the disability

Residual benefits pay a proportionate amount when the insured returns to work but earns less because of the disability.

All Accident & Health topics

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.