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  4. Disability Income

Free Disability Income Practice Questions

Wyoming Accident & Health exam — 18 practice questions.

Subtopics: Elimination period, Benefit period, Own occupation, Residual disability, Probationary period, Presumptive disability, Recurrent disability, Cost-of-living rider, Relation of earnings, Business overhead expense, Diagnostic and preventive, Scheduled vs nonscheduled, Predetermination of benefits, Orthodontics, Basic restorative services, Major restorative services, Combination dental plan, Dental annual maximum

Sample questions & answers

1. The elimination (waiting) period in a disability income policy is:

The time after a disability begins before benefits become payable

The elimination period is the waiting time after a disability begins during which no benefits are paid.

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

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

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

3. An own-occupation definition of total disability 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. A residual disability benefit is generally payable when the insured:

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

A residual benefit pays a partial amount when the insured can work but earns less due to the continuing disability.

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Practice: Disability Income

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.