伤残与长期护理第 643 / 716 题
Individual disability income benefits are usually limited to roughly 60 to 70% of earned income so that:
a.The insurer can earn a larger profit
b.The insured retains a financial incentive to return to work, avoiding overinsurance
c.The premium can be set higher
d.The disability benefits would automatically become fully taxable to the insured once they exceed half of prior income
解析
Capping benefits below full income prevents overinsurance and keeps a return-to-work incentive, since being disabled should not pay better than working. It is not about insurer profit, premium level, or taxation.
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同考点相关题目
- A 'split definition' of disability commonly uses:
- A residual disability benefit pays a proportional benefit when the insured:
- Under a presumptive disability provision, the insured is automatically considered totally disabled, often with no elimination period, upon:
- When an individual pays disability income premiums with after-tax dollars, the benefits received are:
- If an employer pays the disability income premiums and does not include them in the employee's income, the disability benefits the employee later receives are:
- Business overhead expense (BOE) insurance is designed to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)