Free Disability Income Insurance Practice Questions
Utah Life, Accident & Health exam (series 17-03) — 36 practice questions.
Subtopics: Recurrent disability, Disability claims, Purpose, Elimination period, Benefit period, Definition of disability, Residual 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 Utah's accident and health rule, a recurrent disability provision may not require separate periods of disability to be separated by more than:
Six months
A recurrent disability provision may not specify that a recurrent disability be separated by a period greater than six months.
2. Under Utah's claim rule, an insurer must notify a claimant of an adverse decision on an income replacement (disability) claim within how many days of receiving the claim, absent an extension?
45 days
Adverse benefit determinations on income replacement claims must be made within 45 days, with up to two 30-day extensions for circumstances beyond the insurer's control.
3. A Utah disability insurer cannot decide a claim within the initial period for reasons beyond its control. It may extend the deadline by:
Up to 30 days, with a second 30-day extension if needed
The insurer may extend up to 30 days, and if still unable, up to an additional 30 days, notifying the claimant before each period expires.
4. 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.
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.
