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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Nevada Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Cost of living rider, 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. In a disability income policy, the period between the onset of disability and the start of benefit payments is the:

Elimination period

The elimination period is a waiting period after disability begins before benefits become payable, functioning like a time deductible.

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

Benefit period

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

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

Own-occupation definition

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

4. A benefit that pays a partial amount when an insured returns to work but earns less because of a disability is the:

Residual disability benefit

The residual disability benefit pays a partial benefit based on lost income when the insured works but earns less due to disability.

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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.