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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Virginia Accident & Health exam — 48 practice questions.

Subtopics: Purpose, Elimination period, Benefit period, Own occupation, Any occupation, Residual benefit, Presumptive disability, Taxation, Social Security rider, 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

Read the Disability Income Insurance study guide

Sample questions & answers

1. Disability income insurance replaces:

A portion of the insured's lost income during disability

Disability income insurance replaces part of the insured's earned income lost due to disability.

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

A waiting period before benefits begin

The elimination period is the time after disability begins before benefits are payable, acting like a deductible in days.

3. The benefit period in a disability income policy is:

The maximum length of time benefits will be paid

The benefit period is the maximum time benefits are paid for a disability.

4. An 'own occupation' disability definition pays if the insured cannot:

Perform the duties of their own occupation

'Own occupation' is more liberal: benefits are paid if the insured cannot perform their own job's duties.

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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.