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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Tennessee Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Any occupation, Residual disability, Presumptive disability, Cost-of-living adjustment, Business overhead expense, Benefit taxation, Recurrent disability, 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 disability income insurance, the time between the start of disability and the first benefit payment is the:

Elimination period

The elimination period is the waiting period between the onset of disability and when benefits begin; it acts like a time deductible.

2. The maximum length of time disability income benefits will be paid for one disability is the:

Benefit period

The benefit period is the maximum time benefits are payable for a single covered disability.

3. An own-occupation disability definition pays benefits when the insured cannot perform:

The duties of their own occupation

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

4. Compared with own-occupation, an any-occupation disability definition is generally:

Stricter, paying only if the insured cannot work in any reasonable occupation

An any-occupation definition is stricter because benefits are payable only if the insured cannot work in any reasonable occupation suited to them.

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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 Pennsylvania Insurance Department and the exam administrator before relying on it.