Which of the following statements regarding group long-term disability income insurance plans is (are)true?
I.These plans are usually limited to occupational disabilities.
II.These plans typically use a more restrictive definition of disability after an initial period of disability,such as two years.

Question

Quizplus · Accepted Answer

II only. Group long-term disability income insurance plans typically cover both occupational and non-occupational disabilities, making statement I false. However, it is true that these plans often use a more restrictive definition of disability after an initial period, such as requiring the insured to be unable to perform any occupation for which they are reasonably suited by education, training, or experience, making statement II true.

Which of the Following Statements Regarding Group Long-Term Disability Income