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14.3.7 Non-Disabling Injury Provision

Some people who have a disability income policy may suffer from a disability that is not serious enough to qualify them for income benefits. This provision pays the actual cost of medical treatment for non-disabling injuries that result from an accident, and is generally limited to a percentage of the weekly or monthly income benefit specified in the policy and is payable in lieu of other benefits under the policy.

1
Section 14.3 Review

If a person suffers the loss of both legs, they are presumed to be disabled under the Presumptive Disability provision.

a) True
b) False
CORRECTTRY AGAIN (Lesson 14.3.1)
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2

The Probationary Period is a one-time only period that usually lasts 15 or 30 days.

a) True
b) False
CORRECTTRY AGAIN (Lesson 14.3.2)
Check your answer

3

The Elimination Period provision is similar to a deductible.

a) True
b) False
CORRECTTRY AGAIN (Lesson 14.3.3)
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4

For individual policies, the average short-term benefit period ranges from:

a) 3 months to 6 months.
b) 3 months to 9 months.
c) 6 months to one year.
d) 6 months to two years.
CORRECTTRY AGAIN (Lesson 14.3.4)
Check your answer

5

The Recurrent Disability provision was designed for those instances when persons who have experienced a disability may relapse and re-injure themselves.

a) True
b) False
CORRECTTRY AGAIN (Lesson 14.3.6)
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6

Under the Non-Disabling Injury provision, the actual cost of medical treatment along with income benefits is mandatory.

a) True
b) False
CORRECTTRY AGAIN (Lesson 14.3.7)
Check your answer