Free Disability Income Insurance Practice Questions
Ohio Accident & Health exam (series 11-45) — 77 practice questions.
Subtopics: Elimination period, Benefit period, Own occupation, Residual benefit, Presumptive disability, Business overhead, Relation of earnings, Notice of continuance, Any occupation, Residual disability, Recurrent disability, Elimination period effect, 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, Definitions of disability, Occupational coverage, Social insurance, Social Security disability, Workers compensation, Group disability, Business disability, Underwriting, Riders, Accidental death, Policy issuance
Read the Disability Income Insurance study guide
Sample questions & answers
1. Choosing a longer elimination period on a disability income policy generally:
Lowers the premium
A longer elimination period reduces premium because benefits start later.
2. The maximum length of time a disability policy pays benefits for one disability is the:
Benefit period
The benefit period caps how long benefits are paid.
3. A disability policy that pays if the insured cannot perform the duties of their own job uses which definition?
Own occupation
Own-occupation definitions are more favorable to the insured.
4. A benefit that pays a portion of the full benefit when the insured returns to work at reduced earnings is:
Residual (partial) disability benefit
Residual benefits offset partial loss of income.
Practice: Disability Income Insurance
Answer choices are shuffled every time, and every question comes with an explanation.
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.
