Free Disability Income Insurance Practice Questions
Connecticut Life, Accident & Health exam (series 12-CT-03) — 38 practice questions.
Subtopics: Elimination period standards, Benefit period minimum, Benefits after 62, Recurrent disability, Residual disability, Purpose, Elimination period, Benefit period, Definition of disability, Probationary period, Presumptive 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. Under Connecticut's minimum standards for disability income protection coverage, a policy with a benefit period of one year or less may have an elimination period no greater than:
90 days
Regulation 38a-505-9(F) caps the elimination period at 90 days (benefit period of one year or less), 180 days (over one to two years), and 365 days otherwise.
2. Connecticut's minimum standards require a disability income protection policy (other than pregnancy-only coverage) to pay benefits during disability for a maximum period of at least:
6 months
Regulation 38a-505-9(F)(3) requires a maximum benefit period of at least six months (one month for pregnancy-related disability coverage).
3. Under Connecticut's disability income minimum standards, benefits payable after age 62 that are reduced solely because of age must be at least what percentage of the amount payable just before 62?
50%
Regulation 38a-505-9(F)(1) requires post-62 age-reduced payments to be at least 50% of the pre-62 amounts.
4. Under Connecticut's minimum standards, a recurrent disability provision may not require that recurrent disabilities be separated by a period greater than:
6 months
Regulation 38a-505-9(A)(10) limits the separation period in a recurrent disability provision to six months.
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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.
