Chris is an insured bricklayer who severed his left hand in an automobile accident. Although his primary duty cannot be performed, Chris is also a substitute high school teacher. He collects a full disability income check every month. How does his policy
Own occupation
Which type of disability would be less than total impairment and equal to permanent impairment?
Permanent partial disability
Claims payable to a Disability Income insured, even when the insured can continue to work, are the result of a
presumptive disability
A disability income policy can prevent an insured from earning a higher income than if he/she were working by utilizing
benefit limits
Which of these statements is NOT true concerning recurrent disabilities?
the insurer continues coverage after the elimination period
An example of a presumptive disability would be
deafness
The factor used most often when underwriting a disability income policy is
annual earnings
A disability elimination period is best described as a
time deductible
Coming from an insurance point of view, which of the following is the main risk associated with disability?
loss of income