seriously injured. Mike has a disability income plan. Which of the following losses will the disability plan reimburse?
Medical expenses for his passenger
The other driver’s loss of income
Mike’s out-of-pocket medical expense
Mike’s loss of income
Dr. Haley, an ophthalmologist, is severely injured in a skiing accident. He has a business overhead expense policy (BOE) and he qualifies for benefits on that policy. All of the following are true EXCEPT:
He will be reimbursed for rent on his office
He will be reimbursed for leased equipment
He will be reimbursed for his home utilities
What is the elimination period for filing Social Security disability benefits?
360 days
180 days
90 days
150 day
Charles has been out on disability for a heart condition. He later has another episode of the same heart condition. Under a disability policy, this is referred to as which of the following?
A new spell of illness
A recurrent disability
Amanda has an Accident policy. She reads the phrase “accidental bodily injury”. She asked her agent to explain this to her. His correct response would be:
You will receive varying benefits depending on the type of accident
You will have less restrictions on your claims than if the policy read accidental means
Dennis has provided a disability plan for his top employees in the event they become sick or injured. What is this called?
Decreasing term disability
Key person disability
Lazarus has been disabled for 6 months. What

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