A&H Policy ProvisionsQuestion 627 of 716
How does an elimination period differ from a probationary period?
a.The probationary period applies once at the start of the policy to new sickness claims, while the elimination period is the waiting time after each disability begins before benefits are paid
b.Neither one has any effect on when benefits are paid, because both are only administrative labels the insurer uses when it sets up the policy file at issue
c.The elimination period applies only to death claims under the policy, while the probationary period is the waiting time that applies to every disability claim the insured files
d.They are two different names for the same single waiting period, applied one time when the policy is first issued and never applied again to any later claim or to a subsequent disability of the insured
Explanation
The probationary period is a single initial wait; the elimination period recurs, delaying benefits after each covered disability starts. Both affect benefits, and neither concerns death claims specifically.
This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- The optional 'illegal occupation' and 'intoxicants and narcotics' provisions let the insurer deny claims for losses that:
- The insuring clause of a health policy:
- A probationary period in a health policy is:
- In a disability policy, the benefit period is:
- A pre-existing condition provision allows the insurer to:
- The coordination of benefits (COB) provision in group health coverage is designed to:
Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)