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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Utah Accident & Health exam — 48 practice questions.

Subtopics: Purpose, Elimination period, Own occupation, Benefit period, Residual benefit calculation, Benefit taxation, Presumptive disability, Waiver of premium, Business overhead expense, Any occupation, Residual disability, Recurrent disability, Elimination period effect, COLA rider, Future increase option, Benefit limits, 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. Disability income insurance is designed primarily to replace:

A portion of the insured's lost income during disability

Disability income coverage replaces part of the insured's earnings lost due to a covered disability.

2. The elimination period in a disability income policy is the:

Waiting period after a disability begins before benefits are paid

The elimination period is the waiting time after a disability starts before benefit payments begin.

3. A disability income policy that defines total disability as the inability to perform the duties of the insured's own occupation is generally:

More favorable to the insured because benefits are easier to qualify for

An own-occupation definition is more favorable because the insured is considered disabled if unable to do their specific job.

4. The benefit period of a disability income policy is:

The maximum length of time benefits will be paid for a covered disability

The benefit period is the longest time the policy will pay benefits for a single covered disability.

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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.