Health Insurance Quiz Review NYS

The waiting period from the start of a disability to be eligible to apply for Social Security disability is:

5 months: The waiting period to apply for Social Security is 5 full months from the start of a qualified disability.

Which of the following is the correct number of days in the grace period for each premium mode? A)10 days for weekly, 15 days for monthly, 31 for all others B)10 days for weekly, 15 for all others C)7 days for weekly, 10 days for monthly, 28 for all others D)7 days for weekly, 10 days for monthly, 31 for all others

7 days for weekly, 10 days for monthly, 31 for all others: According to the Grace Period Provision (a Mandatory Uniform Provision)

Precertification, Mandatory Second Surgical Opinion, and Concurrent Review are provisions in health insurance policies known as: A)Case Management Provisions B)Oversight Provisions C)Extra-Legal Actions Provisions D)Miscellaneous Provisions

A) Case Management Provisions

Overseas foreign travel emergency coverage is a Medicare supplement: A)Additional benefit B)Core benefit C)Rider D)Exclusion

A)Additional benefit: Overseas foreign travel emergency is covered as an additional benefit under Medicare Supplement Plans C, D, F, G, M and N.

Under a Key Employee Disability Income Policy, the employer is the: A)All of the answers listed B)Recipient of the proceeds C)Premium Payor D)Policyowner

A)All of the answers listed: As in Key Employee (or Key Person) life insurance, the employer is the owner, premium payor, and recipient of the proceeds. The key employee or person is the insured.

No insurer or agent may unnecessarily replace a policyholder's Long-Term Care insurance policy or replace it with a policy that offers: A)Fewer benefits and a greater premium B)Fewer benefits and a lower premium C)More benefits and a lower premium D)More benefits and a greater premium

A)Fewer benefits and a greater premium: No insurer or agent may unnecessarily replace a policyholder's Long-Term Care insurance policy or replace it with a policy that offers fewer benefits and a greater premium.

What is an impairment rider? A)It excludes specific conditions that normally would cause the entire policy to be declined B)It pays out an additional benefit in cases where the cause of loss is a result of an accident C)It guarantees the insured's future insurability D)It pays out an additional benefit if the insured cannot perform 2 of the 5 specified functional activities

A)It excludes specific conditions that normally would cause the entire policy to be declined: An impairment rider is a rider added to a policy that will exclude specific conditions that would normally cause a policy to be declined. The use of this rider allows an insured to qualify for a policy with the exclusion attached, where they would otherwise be declined altogether.

Which of the following Medicare Supplement policies have Core Benefits? A)Plans A through N B)Plan A only C)Plan A through C only D)Plans C through J only

A)Plans A through N: The Core Benefits found in Plan A must be found in all plans.

Recurrent disability: A)Protects an insured who becomes disabled for the same loss and does not have to meet a new waiting period B)Requires an individual to be unable to perform all duties of any occupation C)Protects an insured who is unable to perform one or more duties of any occupation D)Requires an individual to meet the definition of Social Security disability before any benefits are payable

A)Protects an insured who becomes disabled for the same loss and does not have to meet a new waiting period. Recurrent Disability occurs when a second disability is suffered due to the same cause within a certain period of time (usually 6 months), the elimination period will not apply and the disability will be considered continuous.

Which of the following would be considered a presumptive disability? A)The loss of the ability to speak B)The loss of a leg below the knee C)The partial loss of hearing in an ear D)The loss of sight in an eye

A)The loss of the ability to speak: The only response that reflects complete loss of a function is the ability to speak. 'The loss of a leg below the knee does not represent loss of two limbs, and loss of sight in an eye or hearing in an ear does not reflect loss of all sight or hearing.

Harry was hospitalized and in a coma for 6 months. When does proof of loss for this claim have to be submitted? A)Within 1 year, unless he suffers legal incapacity B)Anytime, since he was in a coma and obviously could not submit a claim C)An executor would be appointed by the courts to handle the necessary paperwork D)Within 2 years, covered under the contestable period

A)Within 1 year, unless he suffers legal incapacity: The Proof of Loss Provision (a Mandatory Uniform Provision) stipulates that the insured must provide proof of the loss within 90 days of the loss, or within in the shortest time possible, but not to exceed 1 year unless the insured suffers legal incapacity. Since Harry was in a coma for 6 months, it would not have been possible for him to file a claim within the 90-day time period.

This is the only accident and health insurance policy that pays out a lump-sum benefit upon the death of the insured in certain situations.

Accidental Death pays (principal sum) upon accidental death, loss of sight, or loss of 2 limbs. It may be added as a rider to a Disability Income, Medical Expense or a Life Insurance Policy.

An insurer authorized to do business within this state is considered what type of insurer?

Admitted

Which of the following types of coverage provides custodial care outside the home for individuals not requiring confinement? A)Hospice Care B)Adult Day Care C)Home Health Care D)Respite Care

Adult Day Care provides custodial services outside the home for individuals not requiring a 24-hour confinement in a nursing home.

An insurance company based out of Europe approved to do business in your state would be considered a/an:

Alien, admitted

The agent's primary underwriting role is:

An agent does not determine insurability, but an agent does make sure the application accurately reflects the real nature of the risk: To make sure the application provides the proper information.

An evaluation of Simon's past earnings reveals his average earned monthly income to be about $4,000 monthly. The greatest amount of benefit that Simon will likely be able to purchase under a Disability Income Policy, in order to reduce malingering in the event of a claim, is: A)$2,000 monthly B)$2,500 monthly C)$4,000 monthly D)$1,000 monthly

B)$2,500 monthly: Benefits are usually determined as a percentage of the insured's current earnings, normally 60 to 70%. Simon would be unlikely to obtain 100% of his income as a disability benefit.

Experience rating utilizes _______ in determining the rate the insurer will charge for group coverage in each year of coverage. A)The plan sponsor's credit rating B)Actual loss experience of the group C)Actual loss experience of everyone in that zip code D)Credit rating of all participants

B)Actual loss experience of the group: Experience looks at claims experience. Creditworthiness of a business or its employees is not a factor in underwriting group insurance.

Which is not a provider type? A)Service B)Blue Cross/Blue Shield C)Reimbursement D)Self-Insured

B)Blue Cross/Blue Shield: Blue Cross/Blue Shield is not a provider type - it is an example of a service provider.

Double indemnity is a rider that provides two times the face amount if an insured: A)Becomes disabled due to an illness B)Dies as a result of an accident within 90 days of the accident C)Becomes terminally ill D)Suffers an on-the-job loss due to a negligent employer

B)Dies as a result of an accident within 90 days of the accident. This rider doubles the amount of benefits if death occurs within 90 days of an accident. This rider is added for a small additional premium.

All of the following are considered specialty physicians, except: A)Oncologist B)Hospital administrator C)Urologist D)Neurologist

B)Hospital administrator

In Individual Disability Income underwriting, the single most important rating factor from an underwriting standpoint is the applicant's: A)Gender B)Occupation C)Finances D)Health

B)Occupation: The applicant's occupation is the single most important, because it defines the primary risk.

Which of the following is not covered with Medicare Part A? A)Post-hospital skilled nursing care B)Outpatient hospital care C)Semiprivate hospital room D)General nursing and hospital services

B)Outpatient hospital care: Outpatient care is covered under Medicare Part B.

Blue Cross and Blue Shield have traditionally offered benefits under the form of: A)Indemnity contracts B)Service contracts C)Compensation contracts D)Reimbursement contracts

B)Service contracts: Blue Cross and Blue Shield have traditionally paid the providers of the service(s) directly under a contractual agreement.

All of the following are a prohibited form of advertising, except: A)When an insurer excludes coverage for preexisting conditions, an advertisement of the policy that implies that the applicant's medical condition or history will not affect eligibility or payment B)Stating that 'We have been in business for over 50 years, for more information contact a local agent.' C)An advertisement that uses the words 'only', 'just', 'merely', 'minimum', or similar words to imply a minimal imposition of restrictions and reductions D)Advertisements for Medicare Supplements containing information that create undo anxiety in the minds of the insureds

B)Stating that 'We have been in business for over 50 years, for more information contact a local agent.'

All of the following statements are true regarding Long-Term Care policies, except: A)They must provide a free look period of at least 30 days B)They must require prior confinement in a hospital as a condition for payment C)They must have a renewal provision shown on the first page of the policy D)They may exclude coverage for illegal drug abuse

B)They must require prior confinement in a hospital as a condition for payment: Prior confinement in a hospital cannot be a condition for coverage or payment.

This rider will provide paid-up coverage if the insured cancels or lapses the policy due to nonpayment of premium. A)Guaranteed insurability (Future increase option) B)Return of premium C)Waiver of premium D)Nonforfeiture

D)Nonforfeiture: The nonforfeiture rider will provide paid-up coverage if the insured cancels or lapses the policy due to nonpayment of premium.

A partial disability is defined as an individual: A)Unable to perform all duties of any occupation for which he/she is qualified based upon education, training, and experience B)Unable to perform one or more duties of his/her occupation C)Presumed to be disabled due to the loss of sight, hearing, speech, or the loss of 2 limbs D)Unable to perform all duties of his/her occupation

B)Unable to perform one or more duties of his/her occupation: Partial Disability is a disability resulting in an inability to perform 1 or more of the regular duties of an occupation. The benefit usually pays up to 50% of a total disability benefit for 3 to 6 months.

An insured is hospitalized for at least 3 days. How long will Medicare pay for confinement in a skilled nursing facility? A)Up to 90 days B)Up to 100 days C)Up to 365 days D)Up to 30 days

B)Up to 100 days: Medicare Part A will provide coverage for up to 100 days of post-hospital skilled nursing care. Only the first 20 days are covered at 100% of the actual cost.

The policy conditions represent the obligations of:

Both the insured and the insurer

When disabled, which of the following would ensure payment for the wages of a business owner's employees?

Business overhead: The Business overhead expense policy will provide income to the business to cover losses such as employee's wages if the owner becomes disabled. DOES NOT PAY OWNER SALARY

Which major medical plan deductible will result in the lowest premium? A)$1,000 B)$2,000 C)$2,500 D)$1,500

C)$2,500 Deductibles can vary in cost and are designed to allow the insured to assume a portion of the risk. Changing the deductible will affect the premium cost. Higher deductibles result in a lower premium.

Every LTC Policy that provides benefits of homecare or community-based services shall provide all of the following, except: A)Hospice services B)Adult day care C)Acute care D)Respite care

C)Acute care: Acute care is a branch of secondary health care where a patient receives active but short-term treatment for a severe injury or episode of illness, an urgent medical condition, or during recovery from surgery.

Home Health Care benefits under a LTC Policy may be limited or excluded by: A)Limiting benefits to services provided by Medicare-certified providers B)Requiring the existence of an acute condition C)Excluding benefits for conditions caused by war or acts of war D)Requiring a need for care in a nursing home

C)Excluding benefits for conditions caused by war or acts of war: Home Health Care benefits may be excluded when a condition results from war or acts of war.

Right to Examine is the same as: A)Elimination Period B)Waiting Period C)Free Look Period D)Probationary Period

C)Free Look Period: Right to Examine, the Free Look Period, and the Owner's (or Insured's) Right of Rescission are all terms that means the same thing. A policy returned during the Free Look period is void, no claims are payable, and all premiums paid are refunded.

All of the following are accurate statements, except: A)In group insurance, the employer receives a Master Policy and each employee receives a Certificate of Insurance B)The group must be a natural group C)Group insurance normally covers occupational injury or disease D)In group insurance, the contract is between the employer and the insurer

C)Group insurance normally covers occupational injury or disease: Group insurance normally covers nonoccupational injury or disease. Workers' Compensation Insurance is designed for occupational injury and disease.

Part A of Medicare pays for: A)None of the answers listed B)Dental expenses C)Hospital expenses D)Outpatient expenses

C)Hospital expenses: Medicare Part A covers inpatient hospital expenses. *Inpatient care in a hospital *Skilled nursing facility care *Inpatient care in a skilled nursing facility (not *custodial or long-term care) *Hospice care *Home health care

An employer group health insurance sponsor does all of the following, except: A)Provide underwriting information B)Apply for coverage C)Issue the policy D)Pays the premium

C)Issue the policy: The group sponsor applies for coverage, provides information for underwriting, maintains the policy, and makes premium payments. Only insurers issue policies.

The insured may select a managed care version of a traditional Medicare Supplement Policy at a lower premium by choosing a policy that limits care to a specific list of hospitals and physicians. This would be called a: A)Medicaid Select Policy B)Medicaid Supplement Policy C)Medicare Select Policy D)Medicare Supplement Policy

C)Medicare Select Policy: Medicare Select is a variation of a traditionalMedicare Supplement Policy that may require you to use specific hospitals and doctors within its network to be eligible for full benefits.

Based upon Optional Uniform Provisions, an insurer would have the right to deny claim payment in all of the following circumstances, except: A)A broken leg injury suffered as the result of ingesting an illegal drug B)A claim involving an injury sustained in a bank robbery C)Misstatement of age on the application D)A claim is covered by another insurer

C)Misstatement of age on the application: Misstatement of age would not avoid a claim, but could cause a reduced benefit to be paid. The Insurance With Other Insurers, Illegal Occupations and Actions, and Intoxicants and Narcotics are each optional provisions that could allow an insurer to avoid liability for a claim.

A Short-Term Disability Policy generally is for a disability lasting for: A) 2 weeks B)3-5 years C)Not more than 2 years D)2-3 years

C)Not more than 2 years: A Short-Term Disability is always defined as less than 2 years' duration.

When underwriting group life, the underwriter treats the group as if it were: A)Two groups, with all the males in one group and all the females in the other B)A number of separate individuals C)One individual D)A substandard risk

C)One individual:In group insurance, the group as a whole is considered an individual, and issuance is based upon that whole. Having one uninsurable individual in a group will not cause a declination, but may increase the premium charged.

If an insured has a policy with 80/20 coinsurance, how is payment split? A)The insurer pays $80 and the rest is covered by the insured B)The insured pays $20 and the rest is covered by the insurer C)The insurer pays 80% and the insured pays 20% D)The insured pays 80% and the insurer pays 20%

C)The insurer pays 80% and the insured pays 20% Coinsurance is a cost sharing feature and is stated as a percentage, such as 80/20, of sharing between the insurer and the insured; The insurer pays the larger percentage.

Which of the following best describes the consideration on the part of an insurer? A)The purpose of the contract must be legal B)The offer of the contract C)The promise to pay in the event of a covered claim D)The acceptance of the contract

C)The promise to pay in the event of a covered claim: Consideration is something promised, given, or done that has the effect of making an agreement a legally enforceable contract.

All of the following are possible business uses of Disability Income Insurance, except: A)Buy-Sell B)Key Employee Insurance C)Workers' Compensation D)Business Overhead Expense

C)Workers' Compensation:

When insurance advertisements include a comparison of similar accident and health insurance products, which of the following is not a major factor in the comparison?

Cash values

Chapter 1 - General Insurance

Chapter 1 - General Insurance

Chapter 2 - Health Basics

Chapter 2 - Health Basics

Chapter 3 - Medical Expense Plans and Concepts

Chapter 3 - Medical Expense Plans and Concepts

Chapter 4 - Disability Income

Chapter 4 - Disability Income

Chapter 5 - Senior Needs

Chapter 5 - Senior Needs

Chapter 6 - Individual Policy Provisions

Chapter 6 - Individual Policy Provisions

Chapter 7 - Group Health Insurance

Chapter 7 - Group Health Insurance

___________ is a cost sharing feature and is stated as a percentage of sharing between the insurer and the insured, such as 80/20.

Coinsurance

Which of the following is true regarding coinsurance? It is:

Coinsurance is a sharing of a medical expense between the insurer and the insured. It is written as a percentage and has a maximum out-of-pocket and pays after the initial deductible is met.Always written as 80%-20%

All of the following are sources that insurers may look at for information regarding the insurability of a prospective insured, except: A)MIB (Medical Information Bureau), B)APS (Attending Physician Statement), C)College Degree D)Inspection Report

College Degree

The ____________ has the power to issue rules and regulations to help enforce insurance statutes.

Commissioner

Each Health and Disability Income Policy must express the conditions and provisions for _________. A)Policy corrections B)Refunds of premium at maturity C)Continuation of the contract D)Conditional coverage

Continuation of the contract: Each policy must express the conditions and provisions for renewal or continuation of coverage.

An insured should receive necessary claim forms within _____ days after notice of claim. A)20 B)10 C)5 D)15

D)15: According to the Claim Forms Provision (a Mandatory Uniform Provision), the insured should receive the necessary claim forms within 15 days after notice of claim.

Kirk has just reinstated an individual A&H policy that had lapsed and wants to know how soon coverage will be in effect for any accident or sickness. You, the agent, would say: A)Accidents immediately, sickness after 30 days B)Sickness immediately, accidents after 10 days C)Sickness immediately, accidents after 30 days D)Accidents immediately, sickness after 10 days

D)Accidents immediately, sickness after 10 days: Upon reinstatement, accidents are covered immediately, and sickness after 10 days. This prevents insureds from reinstating a policy when they are already sick.

What type of Long-Term Care policy can be renewable and convertible, and can also be purchased at lower rates than for individual coverage? A)A Policy Rider B)A Franchise Policy C)A Limited Policy D)An Employer Group Policy

D)An Employer Group Policy: The question describes employer group coverage.

Insurance companies writing disability income generally have an occupational classification system based on considerations of all of the following, except: A)Claims history of the occupation B)Stability of the industry C)Job duties D)Earning potential

D)Earning potential:Insurance companies writing disability income generally have an occupational classification system based on considerations, such as job duties, claims history of the occupation, and stability of the industry. Earning potential is not one of the criteria in determining occupational classifications.

Which clause in a contract would state that Jim is covered by XYZ insurer for a monthly benefit of $2,000 in the event of disability? A)Free Look Provision B)Entire Contract C)Consideration Clause D)Insuring Clause

D)Insuring Clause: The Insuring Clause states who is covered, by whom, for how much, for what period, and against what peril.

Which statement is incorrect concerning an Accidental Death and Dismemberment Policy? A)It usually provides that the death benefit (principal sum) will also be paid if the insured loses sight in both eyes or loses any two limbs B)It may be written separately or added to a Health/Disability or Life Policy as a rider C)A smaller amount (capital sum) may be paid for the loss of sight in one eye or the loss of one limb D)It provides a specified payment for a specified injury

D)It provides a specified payment for a specified injury: This describes a Limited Accident Policy, not an Accidental Death and Dismemberment Policy.

All of the following are Optional Uniform Provisions, except: A)Change of Occupation B)Illegal Occupation C)Misstatement of Age D)Legal Actions

D)Legal Actions: Legal Actions is a Mandatory Uniform Provision. All other responses are Optional Uniform Provisions.

Which of the following is a limited form of medical expense coverage added to a disability income policy? A)Hospital confinement rider B)Additional monthly benefit rider C)Social insurance supplement rider D)Non-disabling injury rider

D)Non-disabling injury rider:A Non-Disabling Injury Rider does not pay disability income, but pays medical expenses related to an injury that does not result in total disability (emergency room, x-rays, durable medical equipment, etc.). It is a limited form of medical expense coverage added to a disability income policy.

Minimizing the chance of a loss is considered which of the following ways of managing risk:

reduction- Minimizing the chance of a loss without eliminating the risk altogether is called reduction.

The Insuring Clause under an individual A&H policy would contain all the following, except: A)The length of the policy period B)The name of the insured and insurer C)What perils are covered D)Premium or rate calculations

D)Premium or rate calculations:Premiums or rates would be part of the Consideration Clause. All of the other answers would be part of the Insuring Clause.

What type of disability income insurance is designed help a small business continue to make regular monthly payments on its long-term financial commitments in the event of the owner's disability? A)Business overhead expense B)Buy-sell C)Key employee D)Reducing term

D)Reducing term: Disability Reducing Term helps a small business that has long-term financial commitments requiring regular monthly payments to meet its obligations. The amount of the benefit remains the same monthly, but the benefit period reduces.

Those insurers that are incorporated in another state, but doing business in this state, are considered:

Foreign

Sylvia is a participant in a Preferred Provider Organization and finds that if she opts to use a provider outside the network:

Her PPO will pay a reduced amount with Sylvia paying the balance: Sylvia's PPO will provide the maximum benefit when she uses in-network providers.

Which principle states that an insured may be reimbursed up to the amount of the actual loss?

Indemnity

When it comes to health insurance underwriting and HIV/AIDS, which statement is TRUE?

Insurers can require an HIV test before issuing coverage, and can refuse coverage based on test results. There is no legal requirement that applicants be tested for HIV.

The ___________ branch is responsible for interpreting and determining the constitutionality of the statutes.

Judicial

An individual jumps off a roof and breaks his leg. Which of the following statements is correct?

Jumping off the roof was intentional and breaking his leg was an accident

What health insurance product is designed to provide coverage for necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital?

Long-Term Care

Medical Expense Insurance is usually written with a policy period of __________.

Medical Expense policies are usually written with a benefit period of one year, such as January 1 through December 31: 1 Year

A company owned by stockholders that does NOT pay dividends to policyholders is considered:

Nonparticipating

In Disability Income underwriting, the single most important rating factor from an underwriting standpoint is the applicant's:

Occupation: Although many factors are considered in the underwriting process, the applicant's occupation is the single most important.

Optional uniform provisions found in health insurance policies are designed to protect the: A)Insured B)Producer C)Insurer D)Agency

Optional Uniform Provisions are designed to protect the insurer.

Which of the following are included in Part II of a Health Insurance Application?

Part II of the application contains questions pertaining to medical background, present health, any medical visits in recent years, medical status of living relatives, and causes of death of deceased relatives.Present health and medical background of applicant and family

The __________ is the person applying for insurance coverage and is responsible for completing an application.

Policyowner

If an insured pays a premium that is lower than others that are in the same class, this insured is considered to be rated as?

Preferred

Which of the following is considered a field underwriter?

Producer

Statements on an application for a life insurance policy are considered to be:

Representation

All of the following are essential elements of a legal contract, except:legal Purpose, Competent Parties, Consideration

Representations are not one of the four essential elements of a legal contract. Offer and Acceptance is the essential element missing in the responses.

Dividends issued by Stock insurers are paid to:

Stockholder

Accidental Injury is a:

Sudden, unexpected and unforeseen event

An initial amount the insured must meet per year before benefits are paid is known as the:

The deductible is an initial amount the insured must meet per year before benefits are paid: The coinsurance is a percentage paid up to a stop loss once the deductible is met.

A family has a $1,000 annual family deductible with a coinsurance provision of 80/20. The family's claims for the year are $200, $300, $400, $500, $300, and $300, totaling $2,000. The insurer is responsible for paying:

The family responsibility is the deductible ($1,000) and 20% of the balance ($200). Therefore, the insurer is responsible for paying $800.

Which of the following statements regarding health insurance advertising is not correct? A)Statistical information may be used as long as it is accurate and the source is named B)The history of very high or unique claim settlements if often used in agent advertising C)Insurers are responsible for the accuracy of their personal testimonials D)An agent must include the insurer's full name of when specifically advertising their product or product type

The history of very high or unique claim settlements if often used in agent advertising

A family has a $1,000 annual family deductible with a coinsurance provision of 80/20. The family's claims for the year are $200, $300, $400, $500, $300, and $300 totaling $2,000. The insured is responsible for paying:

The insured's responsibility is the deductible ($1,000) and 20% of the balance ($200) for a total of $1,200.

PPO plans pay providers based on a:

The organizers and the providers agree upon medical service charges that are generally less than the providers would charge patients not associated with the PPO. Unlike most HMO arrangements the providers are paid on a fee-for-service basis rather than receiving a flat monthly amount: Discounted fee for service negotiated in advance

A product designed to provide coverage for necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital is called:

The question is describing a Long-Term Care Policy. Medicare Supplement covers acute care expenses and related post-hospitalization skilled nursing care only

Jim decided to participate in his employer's group dental coverage after the initial eligibility period expired. Which of the following may the insurer do?

The question refers to a group, not individual, dental plan, so the insurer may include a one-year benefit reduction of up to 50% or exclude certain benefits altogether for a specified period: Reduce benefits for up to 1 year

Which of the following is true of traditional commercial insurers?

Traditional commercial insurers market reimbursement contracts that pay directly to the insured.

One characteristic of life insurance is that the insurer is obligated to pay a claim in the event of the death of the insured, however, the insured is not contractually obligated to do anything other than keep the policy in force. This is a:

Unilateral contract

For an accidental means policy to pay a claim, the injury must be an:

Unintentional in both the cause and the result of the injury

When an insurance company fails to enforce a provision in a contract and decides to pay a claim, they are giving up a legal right or advantage. This is known as which of the following?

Waiver

Group Disability Income is usually offered only on a nonoccupational basis, which will not cover work-related disabilities, because: A)Damages for work-related injuries are determined in court B)The insurer may reduce its financial obligation this way C)Work related injuries are normally covered under Workers' Compensation D)Most individuals have their own disability income policy

Work related injuries are normally covered under Workers' Compensation: Most group disability is written to be nonoccupational, because Workers' Compensation was developed and designed to cover work- and job-related accidents and disease.