Maryland Life and Health Insurance License Practice Exam

Which provision would apply to a policyowner who suffers an injury that affects job duties?

1. Full disability benefits

2. Partial disability benefits

3. Critical illness benefits

4. Long-term disability benefits

The correct answer is: Partial disability benefits

In this scenario, the provision that applies is partial disability benefits. This type of coverage is specifically designed for policyholders who are unable to perform all their job duties due to an injury but can still work in some capacity. Partial disability benefits help to financially support individuals during this transitional period when they may be earning less due to their reduced ability to work full time. This provision is particularly important because it recognizes that not all injuries lead to complete disability; some individuals may recover enough to fulfill some job responsibilities while still facing limitations. Thus, partial disability benefits provide crucial income replacement that can help policyholders manage their financial obligations while on the road to recovery. The other benefit options do not align with the situation of someone who can still work but in a reduced capacity. For instance, full disability benefits would apply only if the individual is completely unable to work at all. Critical illness benefits are focused on specific serious health conditions and do not pertain directly to job duties or capacity. Long-term disability benefits may provide support for prolonged inability to work but typically apply once an individual is no longer able to work for an extended period, rather than recognizing the ability to perform some job functions.