An insured, age 67, is covered under a disability income policy. What will the insurer require in order for the insured to continue coverage?

• A. The insured must work for a stated number of hours per week
• B. The insured must maintain a minimum health status
• C. The insured must submit monthly income verification
• D. The insured must attend a rehabilitation program

Answer: (A)

Disability income plans often hinge on active employment to keep coverage in force. Even for someone who is 67, many policies require the insured to remain actively at work, meeting a stated minimum number of hours per week. This “active at work” standard ensures the policy stays in effect only while the insured is employed and performing work duties; if the hours drop below that threshold, coverage can be affected.

Health status is determined at the time of underwriting and isn’t a ongoing requirement just to maintain coverage, as long as premiums are paid. Monthly income verification isn’t a typical condition to keep the policy in force, since benefits are based on disability status, not ongoing income reporting. Attending a rehabilitation program isn’t a universal requirement to retain coverage unless the policy includes a specific rehabilitation provision.

So, the important requirement for continuing coverage is that the insured must work a stated number of hours per week.