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Benefits Beginner: Disability Insurance

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1.
Group insurance disability insurance premiums are generally cheaper than individually purchased policies.
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True. Collective rates are usually less expensive than individual rates.
2.
Long-term disability benefits typically kick in when _______.
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The waiting period specified in the policy expires.
3.
A partial disability insurance waiver means that you can _______.
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Work full-time and still get disability insurance benefits.
4.
A return-to-work disability provision in a disability insurance policy means that _______.
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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.
5.
The financial condition of disability insurance companies is an important factor in choosing an insurer.
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True. Their financial state determines their ability to pay benefits.