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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

South Dakota Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Social insurance supplement, Cost of living adjustment, Business overhead expense, 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:

A waiting period after a disability begins before benefits are payable

The elimination period is a deductible measured in time during which no disability benefits are paid after disability begins.

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 sets the maximum length of time the policy will pay benefits for a covered disability.

3. An 'own occupation' definition of total disability is generally more favorable to the insured because it pays when the insured cannot:

Perform the duties of their own occupation

An own-occupation definition pays if the insured cannot perform their own occupation, even if able to do other work.

4. A residual disability benefit is designed to pay when the insured:

Returns to work but suffers a loss of income due to the disability

A residual benefit pays a partial amount based on the income loss when a partially disabled insured returns to work.

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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.