Disability & Long-Term CareQuestion 653 of 716
Most disability income policies include a waiver of premium after the insured has been disabled for:
a.The entire benefit period
b.At least 5 years
c.A specified period such as 90 days, after which premiums are waived and often refunded back to the start of disability
d.Immediately, from the very first day of any disability, with all premiums paid during that time refunded to the policyowner in full
Explanation
DI waiver of premium usually starts after about 90 days of disability, then waives premiums and often refunds those paid during the waiting period. It is not immediate, nor delayed for years.
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Related questions on this topic
- A disability buy-sell policy provides funds to:
- A Social Insurance Supplement (SIS) rider on a disability policy pays benefits when the insured is:
- A cost-of-living adjustment (COLA) rider on a disability policy:
- A disability income policy described as 'occupational' coverage pays benefits for disabilities that occur:
- Workers compensation covers work-related injuries, so a 'nonoccupational' disability policy is designed to cover:
- In an LTC policy, choosing a longer elimination period will generally:
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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)