Florida Life and Health Insurance License Practice Test

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V is insured under an individual Disability Income policy with a 30-day Elimination period and is disabled on July 1 and returns to work on December 1. How many months of benefit are payable?

  1. 5 months

  2. 4 months

  3. 6 months

  4. 3 months

The correct answer is: 4 months

This is because V's policy has a 30-day Elimination period, meaning the first 30 days of their disability are not covered by the policy. Therefore, their disability coverage begins on August 1 and ends on November 30, which is a total of 4 months. Option A is incorrect because it does not take into account the Elimination period. Option C is also incorrect because it counts the month of August as a full month of disability coverage, when in reality it is only 1 day. Option D is incorrect because it does not account for the entire duration of V's disability.

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