DISABILITY HEALTHCARE PROFESSIONAL (DHP)
EXAM: QUESTIONS & ANSWERS
Content Areas: Disability Primer, Advanced Issues, and Group/Worksite Disability
Insurance
1. What is the primary purpose of disability insurance?
A) To cover expenses related to medical treatments only.
B) To replace a portion of the income lost when an individual is unable to work due to
illness or injury.
C) To pay for prescription drugs.
D) To cover the cost of long-term care services.
Answer:
B) To replace a portion of the income lost when an individual is unable to work due to
illness or injury.
Rationale:
Disability insurance is designed to replace part of the income that an individual loses when
they are unable to work due to a disability caused by illness or injury.
2. Which of the following is typically covered under a disability insurance policy?
A) Cosmetic surgery.
B) Lost wages due to a temporary disability.
C) Routine medical check-ups.
D) Over-the-counter medications.
Answer:
B) Lost wages due to a temporary disability.
Rationale:
Disability insurance typically covers lost wages due to a temporary or permanent disability,
helping individuals maintain their income while they are unable to work.
3. Which of the following is NOT a typical exclusion in a disability insurance policy?
A) Disability resulting from a pre-existing condition.
B) Disability caused by injury sustained in a car accident.
C) Disability resulting from participation in illegal activities.
D) Disability due to pregnancy.
, Answer:
D) Disability due to pregnancy.
Rationale:
Some disability insurance policies provide coverage for disability related to pregnancy, but
the specifics vary depending on the policy. Disability resulting from illegal activities or pre-
existing conditions is often excluded.
4. What is the difference between short-term disability insurance and long-term
disability insurance?
A) Short-term disability insurance covers short-term medical conditions, while long-
term disability insurance covers long-term conditions.
B) Short-term disability insurance is more expensive than long-term disability
insurance.
C) Long-term disability insurance only covers injuries, while short-term disability
insurance covers both injuries and illnesses.
D) Short-term disability insurance covers lost wages indefinitely, while long-term
disability insurance is for a limited time.
Answer:
A) Short-term disability insurance covers short-term medical conditions, while long-
term disability insurance covers long-term conditions.
Rationale:
Short-term disability insurance typically covers a limited duration of time (weeks to months)
for medical conditions, while long-term disability insurance covers extended periods (often
years or until retirement) for chronic conditions or disabilities.
5. How is the premium for disability insurance typically determined?
A) Based solely on the applicant’s income.
B) Based on the applicant’s age, health, occupation, and the benefit amount.
C) Based on the number of dependents the applicant has.
D) Based on the applicant’s geographic location.
Answer:
B) Based on the applicant’s age, health, occupation, and the benefit amount.
Rationale:
Disability insurance premiums are influenced by several factors, including the applicant’s
age, health status, occupation (risk level), and the benefit amount they are seeking.
6. What does the "elimination period" refer to in disability insurance?
EXAM: QUESTIONS & ANSWERS
Content Areas: Disability Primer, Advanced Issues, and Group/Worksite Disability
Insurance
1. What is the primary purpose of disability insurance?
A) To cover expenses related to medical treatments only.
B) To replace a portion of the income lost when an individual is unable to work due to
illness or injury.
C) To pay for prescription drugs.
D) To cover the cost of long-term care services.
Answer:
B) To replace a portion of the income lost when an individual is unable to work due to
illness or injury.
Rationale:
Disability insurance is designed to replace part of the income that an individual loses when
they are unable to work due to a disability caused by illness or injury.
2. Which of the following is typically covered under a disability insurance policy?
A) Cosmetic surgery.
B) Lost wages due to a temporary disability.
C) Routine medical check-ups.
D) Over-the-counter medications.
Answer:
B) Lost wages due to a temporary disability.
Rationale:
Disability insurance typically covers lost wages due to a temporary or permanent disability,
helping individuals maintain their income while they are unable to work.
3. Which of the following is NOT a typical exclusion in a disability insurance policy?
A) Disability resulting from a pre-existing condition.
B) Disability caused by injury sustained in a car accident.
C) Disability resulting from participation in illegal activities.
D) Disability due to pregnancy.
, Answer:
D) Disability due to pregnancy.
Rationale:
Some disability insurance policies provide coverage for disability related to pregnancy, but
the specifics vary depending on the policy. Disability resulting from illegal activities or pre-
existing conditions is often excluded.
4. What is the difference between short-term disability insurance and long-term
disability insurance?
A) Short-term disability insurance covers short-term medical conditions, while long-
term disability insurance covers long-term conditions.
B) Short-term disability insurance is more expensive than long-term disability
insurance.
C) Long-term disability insurance only covers injuries, while short-term disability
insurance covers both injuries and illnesses.
D) Short-term disability insurance covers lost wages indefinitely, while long-term
disability insurance is for a limited time.
Answer:
A) Short-term disability insurance covers short-term medical conditions, while long-
term disability insurance covers long-term conditions.
Rationale:
Short-term disability insurance typically covers a limited duration of time (weeks to months)
for medical conditions, while long-term disability insurance covers extended periods (often
years or until retirement) for chronic conditions or disabilities.
5. How is the premium for disability insurance typically determined?
A) Based solely on the applicant’s income.
B) Based on the applicant’s age, health, occupation, and the benefit amount.
C) Based on the number of dependents the applicant has.
D) Based on the applicant’s geographic location.
Answer:
B) Based on the applicant’s age, health, occupation, and the benefit amount.
Rationale:
Disability insurance premiums are influenced by several factors, including the applicant’s
age, health status, occupation (risk level), and the benefit amount they are seeking.
6. What does the "elimination period" refer to in disability insurance?
