Disability & Long-Term CareQuestion 85 of 315
A short-term disability policy sold through an employer is MOST likely to pay benefits for which length of time?
a.12 to 24 months
b.3 to 26 weeks
c.1 to 2 days
d.5 years up to age 65
Explanation
Short-term disability policies typically pay benefits for 3 to 26 weeks after a short elimination period of 0 to 14 days. Long-term disability picks up after short-term ends and may pay for years.
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Related questions on this topic
- Which definition of total disability is the MOST favorable to the insured?
- An insured selects a 180-day elimination period instead of a 30-day elimination period. What is the effect on the premium?
- Why do disability income insurers cap the monthly benefit at roughly 60 to 70 percent of the insured's gross income?
- An insured loses the sight in both eyes in an accident. Under a typical disability income policy with a presumptive disability provision, when do benefits begin?
- An insured returns to part-time work after a covered disability and earns 40 percent of pre-disability income. Which provision pays a pro-rata benefit based on the lost income?
- An insured returns to work after a covered disability, then suffers a relapse from the same condition four months later. Under a recurrent disability provision, the second period is treated as:
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)