Free Disability Income Insurance Practice Questions
California Life, Accident & Health exam (series Life, Accident & Health) — 35 practice questions.
Subtopics: DI genetic testing, DI genetic test for health, Purpose, Elimination period, Benefit period, Definition of disability, Residual disability, Probationary period, Presumptive disability, Recurrent disability, Any occupation, Business overhead expense, Disability buy-out, Cost of living adjustment, Social insurance supplement, Nonoccupational coverage, Waiver of premium, Future increase option, Disability benefit, Benefit amount, Total disability, Partial disability, Group disability, Social Security disability, Key employee DI, Occupational coverage
Read the Disability Income Insurance study guide
Sample questions & answers
1. California's genetic testing standards in Ins. Code 10146 et seq. apply to underwriting of which coverages?
Life and disability income insurance
Section 10146 establishes standards for underwriting life and disability income insurance on the basis of genetic tests.
2. A California life or disability income insurer may NOT require a genetic test if the results would be used to determine eligibility for:
Hospital, medical, or surgical coverage
Section 10149(b) bars genetic tests used to determine eligibility for hospital, medical, or surgical coverage.
3. Disability income insurance is designed to replace:
A portion of earned income lost when disability prevents work
Disability income pays periodic benefits to replace part of the earnings lost during a covered disability.
4. The waiting period between the onset of a disability and the start of benefit payments is the:
Elimination period
The elimination (waiting) period is a form of time deductible before disability benefits begin.
All Life, Accident & Health topics
Practice: Disability Income Insurance
Answer choices are shuffled every time, and every question comes with an explanation.
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.
