伤残与长期护理第 641 / 716 题
A residual disability benefit pays a proportional benefit when the insured:
a.Voluntarily chooses to retire early even though the disability would not otherwise prevent full-time work
b.Has fully recovered and returned to normal earnings
c.Is totally and permanently disabled
d.Returns to work but earns less because of the disability, based on the percentage of income lost
解析
Residual (partial) disability benefits pay in proportion to lost income when the insured works but earns less due to the disability. It does not apply to total disability, full recovery, or voluntary retirement.
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同考点相关题目
- Benefits received from a tax-qualified long-term care insurance policy are generally:
- Compared with an 'any-occupation' definition, an 'own-occupation' definition of total disability generally results in a premium that is:
- A 'split definition' of disability commonly uses:
- Under a presumptive disability provision, the insured is automatically considered totally disabled, often with no elimination period, upon:
- Individual disability income benefits are usually limited to roughly 60 to 70% of earned income so that:
- When an individual pays disability income premiums with after-tax dollars, the benefits received are:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)