Wisconsin Accident and Health Insurance Practice Exam 2025 – Your All-in-One Guide to Exam Success!

In the context of long-term disability income insurance, a benefit period refers to the length of time that benefits are payable after a disability occurs. Atypical benefit periods diverge from the more commonly offered timeframes in the industry.

A benefit period of one year is often associated with short-term disability insurance rather than long-term disability. Short-term policies typically cover shorter durations, such as a few months to up to a year, which provides immediate income replacement during recovery from less severe or temporary disabilities.

In contrast, longer benefit periods of five years, ten years, or to age 65 are standard in long-term disability insurance products. These durations reflect the intention to provide support for significant, long-lasting disabilities that could prevent an individual from working for extended periods.

Thus, one year is indeed considered atypical for a long-term disability income insurance policy, making it the correct choice in identifying the benefit period that stands out from standard long-term options.