Free Disability Income Insurance Practice Questions
Ohio Life, Accident & Health exam (series 11-35) — 35 practice questions.
Subtopics: Relation of earnings, Notice of continuance, Purpose, Elimination period, Benefit period, Definition of disability, Residual disability, Probationary period, Presumptive disability, Recurrent disability, Any occupation, Business overhead expense, Disability buy-out, Cost of living adjustment, Social insurance supplement, Nonoccupational coverage, Waiver of premium, Future increase option, Disability benefit, Benefit amount, Total disability, Partial disability, Group disability, Social Security disability, Key employee DI, Occupational coverage
Read the Disability Income Insurance study guide
Sample questions & answers
1. Under Ohio's relation of earnings to insurance provision, benefits are compared with the greater of the insured's monthly earnings when disability began or average monthly earnings over the preceding:
Two years
Ohio Rev. Code 3923.05(F) uses the greater of monthly earnings at the start of disability or average monthly earnings for the two years before the disability.
2. Under Ohio's notice of claim provision for loss-of-time benefits payable for at least two years, how often must the insured give notice that the disability continues?
At least once every six months
The optional language in 3923.04(E) requires notice of continuance at least once in every six months after notice of claim, except in case of legal incapacity.
3. Disability income insurance is designed to replace:
A portion of earned income lost when disability prevents work
Disability income pays periodic benefits to replace part of the earnings lost during a covered disability.
4. The waiting period between the onset of a disability and the start of benefit payments is the:
Elimination period
The elimination (waiting) period is a form of time deductible before disability benefits begin.
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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.
