Free Disability Income Insurance Practice Questions
Louisiana Life, Accident & Health exam — 38 practice questions.
Subtopics: Disability claim payments, Total disability definition, Own occupation, Physician care, 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. During a covered period of disability, Louisiana requires the insurer to make disability income payments to the insured at least every:
30 days
R.S. 22:1821 requires payment at least every thirty days during the part of the disability period for which the insured is entitled to payments.
2. Louisiana law does NOT allow a disability income policy to define total disability solely as the inability to perform:
"Any occupation whatsoever"
R.S. 22:990(B) bars basing total disability solely on inability to perform "any occupation whatsoever," "any occupational duty," or "any and every duty of his occupation."
3. A general Louisiana definition of total disability may be no more restrictive than inability to work in any occupation for which the insured is qualified by education, training, or experience and that provides:
Substantially the same earnings
R.S. 22:990(C) sets this floor: inability to engage in any occupation for which the insured is qualified that provides substantially the same earning capacity as before.
4. May a Louisiana disability income policy define disability as the complete inability to perform all the substantial and material duties of the insured's regular occupation?
Yes, the statute expressly allows it
R.S. 22:990(D) allows the insurer to specify the complete inability to perform all of the substantial and material duties of the regular occupation.
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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.
