CEBS Exams (Individual Modules)

Question 1

What is the elimination period in a short-term disability (STD) or long-term disability (LTD) policy?

The maximum duration of benefit payments The waiting period before disability benefits begin The percentage of income replaced by the policy The period after which pre-existing conditions are covered

Correct Answer:

The waiting period before disability benefits begin

Question 2

Which definition of disability is more restrictive and harder for claimants to satisfy in LTD policies?

Own-occupation definition Any-occupation definition Social Security disability definition Gainful employment definition

Correct Answer:

Any-occupation definition

Question 3

What is AD&D insurance, and when does it pay a benefit?

Accidental Death and Dismemberment — pays if the insured dies or loses a limb/function due to a covered accident Additional Death and Disability — supplements Social Security disability income Advance Death and Deferment — allows pre-death withdrawals from life insurance Accelerated Death and Dismemberment — pays for terminal illness diagnosis

Correct Answer:

Accidental Death and Dismemberment — pays if the insured dies or loses a limb/function due to a covered accident

Question 4

In a group term life insurance plan, what does the term 'guarantee issue amount' refer to?

The maximum death benefit the insurer will ever pay The amount of coverage available without requiring evidence of insurability (EOI) The employer's maximum contribution toward premiums The minimum benefit payable to any beneficiary

Correct Answer:

The amount of coverage available without requiring evidence of insurability (EOI)

Question 5

What is a 'waiver of premium' provision in a group life or disability insurance policy?

The employer pays all premiums so the employee owes nothing Premiums are waived (not owed) while the insured is totally disabled The insurer waives the deductible in case of catastrophic loss Premiums are reduced for non-smokers and healthy employees

Correct Answer:

Premiums are waived (not owed) while the insured is totally disabled

Exam overview

About this Exam

Prepare with the CEBS Exams (Individual Modules) practice quiz. This question bank includes 75 questions covering benefits, employee, specialist, plan, and primary. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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CEBS Exams (Individual Modules)

This practice set contains 75 questions from the matching question bank and focuses on benefits, employee, specialist, plan, and primary. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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About this Exam

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CEBS Exams (Individual Modules)

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