XCEL Ch. 6 Keywords Exam Questions and
Answers with Verified Solutions | Latest
Updated 2026
Any Occupation total disability that requires that for
disability
income benefits to be payable, the insured
must be
unable to perform any job for which the
insured is
"reasonably suited by reason of education,
training,
or experience."
Own Occupation total disability that requires that in order to
receive
disability income benefits the insured must
be
unable to work at the insured's own
occupation.
Nonoccupational Coverage The coverage provided by a Disability
Income
policy that does not provide benefits for
losses
occurring as the result of the insured's
employment
, Presumptive Disability a disability income policy benefit that
provides that
if an insured experiences a specified
disability, such
as blindness, the insured is presumed to
be totally
disabled and entitled to the full amount
payable
under policy, whether or not the insured is
able to
work. Presumptive disabilities include total
blindness, total deafness, loss of speech,
and loss
of two or more limbs.
Partial Disability an Illness or injury preventing insured from
performing at least one or more, but not
all, of the
insured's occupational duties or the
inability to
work at that job on a full-time basis, either
of which
result in a decrease in income.
Answers with Verified Solutions | Latest
Updated 2026
Any Occupation total disability that requires that for
disability
income benefits to be payable, the insured
must be
unable to perform any job for which the
insured is
"reasonably suited by reason of education,
training,
or experience."
Own Occupation total disability that requires that in order to
receive
disability income benefits the insured must
be
unable to work at the insured's own
occupation.
Nonoccupational Coverage The coverage provided by a Disability
Income
policy that does not provide benefits for
losses
occurring as the result of the insured's
employment
, Presumptive Disability a disability income policy benefit that
provides that
if an insured experiences a specified
disability, such
as blindness, the insured is presumed to
be totally
disabled and entitled to the full amount
payable
under policy, whether or not the insured is
able to
work. Presumptive disabilities include total
blindness, total deafness, loss of speech,
and loss
of two or more limbs.
Partial Disability an Illness or injury preventing insured from
performing at least one or more, but not
all, of the
insured's occupational duties or the
inability to
work at that job on a full-time basis, either
of which
result in a decrease in income.
