# [Health Insurance] 27, Disability Income Insurance Fundamentals

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-27-disability-income-insurance-fundamentals
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-27-disability-income-insurance-fundamentals.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-23T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/2407a806-5649-4a21-93a1-0afc9fb79716.mp3
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Duration seconds: 192

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Why disability income benefits are limited to 60-70% of pre-disability earnings. - The critical difference between the 'own occupation' and 'any occupation' definitions of total disability. - How exam questions test your understanding of which disability definition is more favorable to the insured. - The distinction between a partial disability benefit and a residual disability benefit. - Common exam traps, such as confusing income replacement ratios and the nuances of partial versus residual benefits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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