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Benefits Beginner:
Disability Insurance
Test your knowledge
Choose wisely. There is only one correct answer to each question.
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1.
Disability insurance is designed to replace 100 percent of your income if you can't work due to illness or injury.
Choose wisely. There is only one correct answer.
True
False
False. It is designed to replace somewhat less than 100 percent.
2.
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.
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.
Disability insurance benefits are usually offered only through age _______.
Choose wisely. There is only one correct answer.
55
65
75
None of the above
65. After age 65, Social Security coverage becomes available.
5.
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.
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DONE