The largest St. Patty's Day parade in the US is carried out in what city?
What is NYC
100
Type of LTD plan in which the benefit is completely Tax Free.
What are Voluntary and/or Gross Up
100
The two recognized causes of disability.
What are Injury or Sickness
100
Conditions that an employee has before becoming eligible for LTD coverage.
What are Pre Existing Conditions
100
The idea that the carrier that is inforce on the Date of Disability is responsible for the claim for the entire life of the claim.
What is Actively at Work provision. (Golden Rule of Disability)
200
This city is known for dying it's river Green on St. Patty's day.
What is Chicago
200
The method in which a group's Maximum LTD benefit amount is determined.
What is by taking the average of the top 5 earners.
200
The period of time in which a disabled employee must meet before receiving benefits.
What is the Elimination Period
200
The first and second numbers in a Pre-Ex, defined.
What are the number of months prior to enrollment, and the number of months post enrollment.
200
If you cannot earn more than 20% of your Pre-Disability Earnings.
What is Total Disability.
300
The Very First St. Patty's day parade was held here.
What is Boston 1737
300
This allows for part-time work during the EP. In this case, the claimant is still earning less than the Earnings Test.
What is Residual Disability
300
The period of time in which a disabled employee may return to work without having to re-satisfy their elimination period.
What are Trial Work Days
300
Method to help control the cost of LTD by minimizing the possibility of subjective claims. (conditions that cannot be medically verified).
What are Limited Benefits (Limitations) (Self-Reported, Specific Conditions)
300
Benefits are deducted due to this... the most common of these are Social Security and Workers Compensation.
What is Other Income (Residual Income)
400
Saint Patrick was of Irish decent. (T/F)
What is False (Father was Italian, Mother was Scottish)
400
If you are still able to work part-time after the EP, you get to keep all of it. "Get you back to whole"
What is Return to Work Benefit (incentive)
400
The percentage of earnings required to receive benefits is known as.
What is the Earnings Test
400
Lower back pain, Chronic fatigue
What are examples of Self Reported Symptoms
400
Ways to keep LTD premiums down.
What is Reducing Benefit Duration, Increasing EP, Reducing Benefit Percentage, Increasing PreEx, Increasing Limitations.
500
Ireland's Nickname
What is The Emerald Isle.
500
The strongest Return to Work Benefit. (Partial Disability Formula).
What is Mutually Progressive Partial
500
Loosely defined as an occupation for which you are suited (education, experience, training) that can provide you a certain level of income within 12 months of your return to work.
What is Gainful Occupation (Any Occ)
500
Conditions treated within the 3 months prior to the effective date are not covered until 12 months actively at work or 3 months treatment free.
What is a 3/3/12 Pre-Ex
500
The difference between "Full Family" and "Primary" Offsets.
What is the offset applied to a benefit pertaining to the claimants social security benefits. Full Family offsets with the claimants and his family's SS while Primary offsets with just the claimants SS.