Chapter 2 – The Language of Disability Income Insurance Review Questions

A disability policy’s definition requires an “injury” to:

The period after disability begins, and during which the insured is not eligible to receive benefits, is called the:

An insured’s disability policy has a 10-year benefit period. At the age of 40, the insured becomes totally disabled for the remainder of his life. Benefits will be paid for what time period?

Of the definitions of total disability often used in disability insurance policies, the most liberal is the definition referred to as:

When a policy pays the monthly total disability benefit because an insured suffers a double amputation, the policy includes which of the following provisions?

To be eligible for a residual disability benefit, the insured’s loss of earnings after returning to work must be at least what percentage of the pre-disability earnings?

The period during which an insured must have been totally disabled and receiving disability benefits before becoming eligible for residual disability benefits is called the _____ period.

A typical definition of “recurrent disability” requires the disabling accident or injury that follows the insured’s return to work to occur less than _____ after the return to work.