Which of the Following Statements About Individual Disability Income Policies

question 39

Multiple Choice

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.

• A)I only
• B)II only
• C)both I and II
• D)neither I nor II

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Definitions:

Projection

A defense mechanism where an individual attributes their own unacceptable thoughts, feelings, or motives to someone else.

Compensation

Payment or reward given to someone, typically as a recompense for loss, injury, or suffering, or as part of employment terms.

Displacement

The redirection of emotions, desires, or impulses from their original object to a safer or more acceptable one.

Techno-Stress

Stress or psychological strain experienced due to the use or adaptation of new technologies.