Free Disability Income Insurance Practice Questions
Massachusetts Life, Accident & Health exam — 38 practice questions.
Subtopics: Genetic information, Unfair discrimination, Overinsurance, Notice of continuance, 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. A Massachusetts disability income application asks whether the applicant has had a genetic test. Which statement is correct?
The applicant need not answer, and the application must say so
Section 108I lets disability and LTC applications ask about genetic testing, but the applicant is not required to answer and must be told so.
2. Massachusetts law bars a disability insurer from charging a higher premium based solely on an applicant's:
Marital status or sexual orientation
Section 108N prohibits discriminating in disability coverage based solely on race, color, religious creed, national origin, sex, pregnancy, gender identity, sexual orientation or marital status.
3. A Massachusetts disability policy may include the optional overinsurance provision only if, among other conditions, the loss-of-time benefit may be payable for at least:
52 weeks
Section 108(3)(b)(6) permits the overinsurance provision only in policies whose loss-of-time benefit may be payable for at least 52 weeks and which are individually underwritten.
4. A Massachusetts disability policy with a loss-of-time benefit payable for at least two years may require the disabled insured to give notice of continued disability:
At least once every six months
Section 108(3)(a)(5) allows an insurer to require notice of continuance of disability at least once in every six months after notice of claim.
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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.
