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  2. West Virginia
  3. Accident & Health
  4. Disability Income

Free Disability Income Practice Questions

West Virginia Accident & Health exam — 31 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Presumptive disability, Recurrent disability, Cost of living adjustment, Business overhead expense, Social insurance supplement, Taxation of benefits, Probationary period, Group medical premiums, Medical benefits taxation, Individual DI benefits, Employer-paid DI benefits, Business overhead expense tax, Key person health premiums, Health Savings Account, Flexible Spending Account, Health Reimbursement Arrangement, Self-employed health deduction, HSA tax advantages, HSA nonqualified distribution, Medical expense itemized deduction, Archer Medical Savings Account, Premium-only plan, AD&D benefit taxation, Long-term care premium deduction, Critical illness benefit taxation, Individual health premium deductibility, Employer HSA contribution

Sample questions & answers

1. The elimination period in a disability income policy is best described as the:

Waiting period after a disability begins before benefits are payable

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

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

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

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

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

The duties of their own occupation

An own-occupation definition pays when the insured cannot perform the material duties of their own occupation.

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

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

Residual disability benefits replace part of lost income when the insured can work but earns less because of the disability.

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Practice: Disability Income

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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.