A Fordney 15& 16
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| Disability income insurance is available from | private insurance companies, employer-sponcered plans, government-funded programs
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| Coverage that provides a specific monthly or weekly income when a person is unable to work because of an illness or injury is known as | disability income insurance
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| The maximum amount of time for which benefits will be paid to the injured or ill person for a disability is called the | benefit period
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| Residual benefits pay a | partial benefit when the insured is not totally disabled
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| A policy that offers the insured person protection when loss of sight or loss of limb(s) occurs is called | dismemberment benefit
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| When an illness or injury prevents an insured person from perfoming one or more of the functions of his or her regular job, the disability is called | partial and residual disability
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| The term "guaranteed renewable" means that the insurer is | required to renew the policy as long as premium payments are made, and the premium may be increased
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| Provisions written into the insurance contract denying coverage or limiting the scope of coverage are called | exclusions
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| What are the two programs that the Social Security Administration (SSA) manages that pay monthly disability benefits to people younger than age 65 who cannot work for at least a year because of a severe disability: | SSDI and SSI
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| In 1956, Congress established a program under Title II of the Social Security Act for long-term disability known as | Social Security Disability Insurance
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| The Supplemental Security Income (SSI) program under Title XVI of the Social Security Act provides | disability payments to needy people with limited income and few resources
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| What is the correct order in the appeals process | Reconsideration, hearing, review by the Appeals Council, review by the federal court
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| The Armer Services Disability benefits program is avaliable to | members of the armed services
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| What is the time limit for a veteran to file a claim to receive outpatient treatment at VA expense for a service-connected disability? | within 1 year of sustaining the injury
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| The first state to provide a successful disability insurance program was | Rhode Island
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| State disability insurance (SDI) is also known as | unemployment compensation disability (UCD) and temporary disability insurance (TDI)
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| State disability insurance benefits begin after the | seventh consecutive day of disability
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| Funding for state disability insurance is usually a small percentage of the employee's wage that | 1. is deducted from employees' paychecks each month 2.the employer may elect to pay a portion of 3. the employer may elect to pay as a fringe benefit
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