North Carolina Health Insurance Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

How is a disability elimination period defined?

A time when no claims can be made

A time period for which no benefits are paid

The waiting period before benefits begin

A disability elimination period is specifically defined as the waiting period that must pass before an individual can begin to receive benefits from a disability insurance policy. This concept is crucial because it serves as the initial timeframe during which the insured is considered unable to work due to a disability, yet they will receive no payout until the elimination period expires. In this context, once the elimination period concludes, the insurance benefits will kick in, enabling the insured to receive financial support during their time of disability.

Understanding the role of the elimination period is essential for policyholders, as it directly impacts their access to benefits and financial planning during a disability. The length of this period can vary from one policy to another and is a critical factor to consider when selecting a disability insurance plan.

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The total duration of disability coverage

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