Which of the following statements about individual disability income policies that use a two-part definition of total disability is (are)true?
I.During the initial period of disability,the insured must be unable to perform the duties of any gainful occupation.
II.After the initial period of disability,the insured must be unable to perform the duties of any occupation for which he or she is reasonably fitted by education,training,and experience.

Question

Quizplus · Accepted Answer

The initial period of disability typically requires the insured to be unable to perform the duties of their own occupation, not any gainful occupation. Statement II is correct as it describes the common requirement after the initial period.

Which of the Following Statements About Individual Disability Income Policies