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  4. Disability Income Insurance

Free Disability Income Insurance Practice Questions

Wisconsin Accident & Health exam — 48 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual benefit, Probationary period, Presumptive disability, Benefit amount, Recurrent disability, Social insurance supplement, Any occupation, Residual 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. The elimination period in a disability income policy is:

A waiting period before benefits begin

The elimination (waiting) period is the time after a disability begins before benefit payments start.

2. The benefit period in a disability income policy refers to:

How long benefits are paid once they begin

The benefit period is the maximum length of time the policy will pay disability benefits for a covered disability.

3. An own-occupation disability definition pays benefits if the insured:

Cannot perform the duties of his or her own occupation

Own-occupation coverage pays when the insured cannot perform the duties of his or her specific occupation.

4. A residual disability benefit pays when the insured:

Returns to work part-time with reduced income

Residual benefits provide partial payments proportional to lost income when the insured returns to work at reduced capacity.

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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.