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Free DIA — Disability Income Associate Exam Questions and Answers
Last updated: March 30, 2025
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DIA — Disability Income Associate
#Question
A self-employed individual wants to maintain income level during potential disability. Which feature should they seek in their policy?
A.
Guaranteed issue
B.
Extended waiting period
C.
Monthly income payment structure
D.
Short-term benefits
Correct Answer:
C
A monthly income payment structure is necessary to help self-employed individuals maintain a consistent income level in case of disability.
#Question
If an insured is living with a long-term disability, what is an essential factor to consider regarding their policy benefits?
A.
Regular updates to the insurer
B.
Employment benefits
C.
Claim start date
D.
Policy renewal times
Correct Answer:
A
Regular updates to insurers about ongoing health and employment status help clarify ongoing eligibility for benefits.
#Question
An individual receives multiple job offers after purchasing a disability policy. How should they approach this with their insurer?
A.
Cancel their policy
B.
Accept the best offer
C.
Consult their insurer
D.
Ignore the policy provisions
Correct Answer:
C
Consulting their insurer ensures that any new job changes are communicated, so coverage remains valid and accurate regarding income.
#Question
If an individual can perform some but not all tasks of their job, they might qualify for which type of benefit?
A.
Total disability benefit
B.
Long-term care benefit
C.
Temporary disability benefit
D.
Partial disability benefit
Correct Answer:
D
The partial disability benefit is meant for those who can still perform some tasks but are limited in their full responsibilities due to disability.
#Question
During the policy selection process, which feature allows for increased benefit payments in line with inflation?
A.
Disability rider
B.
Waiting period extension
C.
Benefit exclusion
D.
Cost of living adjustment
Correct Answer:
D
A cost-of-living adjustment feature allows for benefits to increase gradually as inflation rises, ensuring coverage remains adequate over time.
#Question
If a disability claim is reported as fraudulent, what might happen to the policyholder?
A.
Immediate payout
B.
Legal repercussions
C.
No effect
D.
They would receive a warning
Correct Answer:
B
Reporting fraudulent claims can lead to significant legal repercussions for the policyholder, including potential criminal charges.
#Question
What role does an insurance adjuster typically play in the disability claim process?
A.
Evaluate claims legitimacy
B.
Increase premiums
C.
Set policy terms
D.
Deny claims immediately
Correct Answer:
A
An insurance adjuster evaluates the legitimacy of claims submitted, ensuring they meet the policy conditions.
DIA — Disability Income Associate
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