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disability income policies do not provide medical expense benefits.

True

Benefits for medical expenses are provided through disability income insurance

False

disability income insurance provides benefits for work-related disability

False

the denfinition of total disability varies from policy to policy because there is no standard definition

True

Temporary disability exists when an illness or injury prevents a person from performing one or more of the functions of his or her regular job

False

when an employer provides disability income insurance and the employee leaves the company, the insurance terminates unless the emloyee is disabled

True

Medical requirements are the same for both the SSDI and SSI programs

True

disabled workers younger than 65 years of age are eligible for SSDI

True

No prior employment is necessary for SSDI eligibility

False

for people trying to qualify for SSDI or SSI, determination is made by the physician

False

the civil service retirement system(CSRS) is a program that combines federal disability and social security disability

True

for patients receiving VA medical care, travel expenses to and from the facility are a benefit

true

If a state has state disability insurance, all types of workers are covered

False

Nonindustrial disability insurance programs exist in only five states and Puerto Rico

True

after a state disability claim is approved, basic benefits become payable with the eighth day of disability or the third day of hospital confinement, whichever come first

False

a reason for denial of disability income benefits is insufficient medial information

True

California allows for state disability benefits in a normal routine pregnancy

True

one of the most important items on a state disability claim form is the claimant's social security number

true

disability income insurance is available from

all of the above
(private insurance companies, employer-sponsored plan, government-funded programs)

coverage that provides a specfic monthly or weekly income when a person is unable to work because of an illnes or injury is known as

disability income insurance

the maximum amount of time for which benefits will be paid to the injured or ill person for a disability is called the

benefit period

residual benefits pay a

partial benefit when the insured is not totlly disabled

a policy that offers an insured person protection when los of sight or loss of limb occurs is called

dismenberment benefit

when am illness or injury prevents an insured person from performing one or more of the functions of his or her regular job, the disablilty is called

Bothe A and B
partial disablilty, residual disablilty

the term :guaranteed renewable" means that the insurer is

required to renew the po;icy as long as premium payments are made, and the premium may be increased

provisions written into the insurance contract denying coverage or limiting the scope of coverage are called

excusions

which two programs managed by the social security administration pay monthly disablity benefits to people younger than 65 who cannot work for at least a year because of a severe disability?

SSDI and SSI

in 1956 congress established a program under Title II of the social security Act for long term disability known as

social security Income

the supplemental security Income program under Title XVI of the social security Act provides

disability payments to needy people with limited income and few resources

what is the correct order in the appeals process

Reconsideration, hearing, review by the Appeals council, review by the federal court

The armed services disability benefits program is available to

members of the armed service on active duty

what is the time limit for veteran to file a claim to receive outpatient treatment at VA expense for a service-connected disability?

Within one year of sustaining the injury

the first stste to provide a successful stste disability insurance program was

Rhode Island

state disability insurance is also known as

Both A and B
unemployment compensation disability, temporary disablility insurance

state disability insurance benefits begin after the

seventh consecutive day of disability

funding for state disability insurance is usually a samll percentage of the employee's wage that

All the Above

for a disability income insurance case, the time period from the beginning of disability to receiving the first payment of benefits is called a/an ________ period

Waiting

in regard to disability income insurance, the ______ period is the maximum amount of time for which benefits will be paid to the injured or ill person for a disability

Benefit

in a life insurance policy, a feature that provides for twice amount of the policy to be paid if death results from accidental causes is called _________

double indemnity

In an insurance contract, a/an ______ of premiums means that while disabled the employee does not have to pay any premiums because they are paid by the policy

Waiver

a __________ (DDS) team composed of a physician/psychologist and disability examier make the determination regarding disability for the SSDI and SSI programs

Disability determination services

if a claimant does not agree with the determination of disability, a ______ - level appeal preal is available

4

The number of years of service that are required before benefits can be paid under CSRS is ___

5

the physician must obtain prior authorization from the nearest VA facility in disability cases if the treatment costs more than ______ per month

40

if the validity of a state disability insurance case is in question, a/an _________ may be asked by the insurance company to examine the disabled individual

independent medical exaiminer

people residing in states that do not provide sate disability insurance ay elect to contract a local private insurance carrier to arrange for coverage under a/an _______ disability

voluteering

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