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Benefits Beginner:
Disability Insurance
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Choose wisely. There is only one correct answer to each question.
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1.
Public disability insurance programs include _______.
Choose wisely. There is only one correct answer.
Social Security
Workers' compensation
Both of the above
None of the above
Both of the above. All of these are offered as public disability insurance programs.
2.
In a disability insurance policy, the elimination period refers to _______.
Choose wisely. There is only one correct answer.
The fact that the insurance company could eliminate you from coverage at any time
The possibility that a disability insurance company may go out of business
The period between when you become disabled and can start receiving benefits
None of the above
The period between when you become disabled and can start receiving benefits. The length of the elimination period affects your premiums.
3.
A return-to-work disability provision in a disability insurance policy means that _______.
Choose wisely. There is only one correct answer.
You can receive benefits even if you don't go back to work
You receive medical benefits even after you return to work
Your employer can cut off your benefits and make you return to work
None of the above
You receive medical benefits even after you return to work. This provision protects you if you are both disabled and able to do some work.
4.
Before an insurance company will accept your disability insurance policy application, you must _______.
Choose wisely. There is only one correct answer.
Pay the premium
Be employed
Pass a physical
None of the above
Pass a physical. The physical is the first step in the process of being accepted.
5.
The financial condition of disability insurance companies is an important factor in choosing an insurer.
Choose wisely. There is only one correct answer.
True
False
True. Their financial state determines their ability to pay benefits.
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DONE