Practice Quiz

Health and Life Insurance

Category - Disability

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Fred is on the losing end of a pedestrian versus vehicle encounter. He is hospitalized and paralyzed from his chest down. The prognosis is positive for Fred to walk again someday, however he is unable to earn a living. What type of total disability would this be?
  1. Own occupation
  2. Any occupation
  3. Loss of income
  4. Loss of service
Explanation
Answer: B - As Fred is paralyzed from the chest down and unable to work in any fashion, this is any occupation classification of total disability. This definition is more restrictive in the definition of total disability. For any occupation disability, the individual is unable to perform the duties of any job that he or she may be reasonably qualified for in terms of education, training and experience.
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