Free Disability Income Insurance Practice Questions
New York Accident & Health exam (series 17-52) — 83 practice questions.
Subtopics: Statutory disability benefits, Paid Family Leave, Coordination, Elimination period, DBL benefit duration, Presumptive disability, DBL benefit amount, DBL waiting period, DBL employee contribution, PFL benefit 2026, PFL duration, PFL funding, PFL eligibility, DBL vs PFL, Own occupation, Any occupation, Residual disability, Recurrent disability, Elimination period effect, Benefit period, COLA rider, Future increase option, Benefit limits, Waiver of premium, Short-term disability, Social insurance offset, Business overhead expense, Disability buy-sell, Key employee DI, Social Security disability definition, Probationary period DI, Relation of earnings to insurance, Partial disability benefit, Group long-term disability, Accident vs sickness elimination period, Flat benefit amount, Automatic increase rider, Return of premium rider, Additional monthly benefit rider, Hospital confinement rider, Nondisabling injury benefit, Rehabilitation benefit, Survivor benefit, Catastrophic disability rider, Transition benefit, Occupational classification, Income replacement ratio, Workers compensation offset, Group LTD definition of disability, Retroactive benefit, Maximum benefit period to age 65, Disability benefit, Definitions of disability, Occupational coverage, Social insurance, Social Security disability, Workers compensation, Group disability, Business disability, Underwriting, Riders, Accidental death, Policy issuance
Read the Disability Income Insurance study guide
Sample questions & answers
1. New York's Disability Benefits Law (DBL) provides covered employees with short-term benefits for:
Off-the-job (non-occupational) injury or illness
The New York DBL provides statutory short-term disability benefits for non-occupational injury or illness; work injuries are covered by workers' compensation.
2. New York Paid Family Leave (PFL) provides eligible employees with paid time off to:
Bond with a new child or care for a seriously ill family member
Paid Family Leave provides up to 12 weeks of paid leave, for example to bond with a new child or to care for a family member with a serious health condition.
3. Disability income coverage generally coordinates with other benefits so the insured does not:
Collect duplicate benefits exceeding the income being replaced
Coordination prevents collecting combined benefits exceeding the income loss being replaced.
4. The period at the start of a disability during which a New York disability income policy pays no benefits is the:
Elimination (waiting) period
The elimination period is the deductible measured in time at the beginning of a disability before benefits begin.
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.
