Which of the following statements about disability and disability income insurance is (are) true?
I. Most disability income policies replace 100 percent of gross earnings.
II. The probability of being disabled before age 65 is much higher than commonly believed.
A) I only
B) II only
C) both I and II
D) neither I nor II
Question 2
All of the following statements about long-term care insurance are true EXCEPT
A) Premiums can be reduced by electing shorter elimination periods.
B) A common benefits trigger is the inability to perform a certain number of activities of daily living.
C) Protection against inflation is usually made available as an optional benefit.
D) Policies currently sold are guaranteed renewable.
true story
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