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Benefits Beginner: Disability Insurance

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1.
Before an insurance company will accept your disability insurance policy application, you must _______.
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Pass a physical. The physical is the first step in the process of being accepted.
2.
Long-term disability benefits typically kick in when _______.
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The waiting period specified in the policy expires.
3.
Disability insurance is designed to replace 100 percent of your income if you can't work due to illness or injury.
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False. It is designed to replace somewhat less than 100 percent.
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 cost of a disability insurance premium depends on _______.
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All of the above. All of these factors influence the cost of a policy.