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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.
A partial disability insurance waiver means that you can _______.
Choose wisely. There is only one correct answer.
Work part-time and still receive partial disability benefits
Work full-time and still get disability insurance benefits
Stay off work and get benefits
None of the above
Work full-time and still get disability insurance benefits.
2.
The cost of a disability insurance premium depends on _______.
Choose wisely. There is only one correct answer.
Your age
Your sex
Your job
All of the above
All of the above. All of these factors influence the cost of a policy.
3.
Long-term disability benefits typically kick in when _______.
Choose wisely. There is only one correct answer.
The waiting period specified in the policy expires
You contract a life-threatening illness
Your employer authorizes a medical leave
None of the above
The waiting period specified in the policy expires.
4.
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.
5.
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.
Submit
DONE