Chapter 5 Review
There are a number of sources of disability income benefits; they include both governmental and non-governmental sources. The principal governmental source of disability benefits for those unable to engage in any gainful activity is Social Security. Although providing a safety net for the profoundly disabled, Social Security's stringent definition of disability results in a claims rejection rate of more than 60%. All states offer Workers Compensation programs, and six jurisdictions provide non-occupational disability benefits.
Many disability benefits are employer-related. They may be provided under true group programs or may be association plans, franchise plans or sick-pay plans.
Chapter 5 Review Questions
pure own occupation
modified own occupation
limited own occupation
*any occupation
*The individual must have worked in a covered occupation
The individual is currently insured
Both a and b
Neither a nor b
Workers Compensation
Non-occupation Disability program
*Both a and b
Neither a nor b
Cash payments
Medical services
*Long term care services
Hospital services
franchise group disability plans
*short-term group disability coverage
long-term group disability coverage
individual disability income insurance
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