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

Free Disability Income Insurance Practice Questions

New York Accident & Health exam (series 17-52) — 45 practice questions.

Subtopics: Statutory disability benefits, Paid Family Leave, Coordination, Elimination period, DBL benefit duration, Presumptive disability, Own occupation, Any occupation, Residual disability, Recurrent disability, Elimination period effect, Benefit period, 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. New York's Disability Benefits Law (DBL) provides covered employees with short-term benefits for:

Off-the-job (non-occupational) injury or illness

The New York DBL provides statutory short-term disability benefits for non-occupational injury or illness; work injuries are covered by workers' compensation.

2. New York Paid Family Leave (PFL) provides eligible employees with paid time off to:

Bond with a new child or care for a seriously ill family member

New York Paid Family Leave provides job-protected paid leave to bond with a new child, care for a seriously ill family member, or address a military deployment.

3. Disability income coverage generally coordinates with other benefits so the insured does not:

Collect duplicate benefits exceeding the income being replaced

Coordination prevents collecting combined benefits exceeding the income loss being replaced.

4. The period at the start of a disability during which a New York disability income policy pays no benefits is the:

Elimination (waiting) period

The elimination period is the deductible measured in time at the beginning of a disability before benefits begin.

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.