New York Child Abuse Identification and Reporting Practice Exam

Which of the following describes an insurance policy that covers both short-term and long-term disabilities?

1. Short-Term Disability Insurance

2. Long-Term Disability Insurance

3. Comprehensive Disability Insurance

4. Combined Disability Insurance

The correct answer is: Comprehensive Disability Insurance

The term that best describes an insurance policy covering both short-term and long-term disabilities is Comprehensive Disability Insurance. This type of policy is designed to provide a more holistic approach to disability coverage, addressing a range of potential scenarios that an individual might face. While short-term disability insurance specifically addresses temporary disabilities and typically covers a shorter duration, and long-term disability insurance focuses on serious conditions that extend for lengthy periods, comprehensive disability insurance integrates both aspects. This means that it provides a continuum of care and financial support, regardless of how long the disability lasts. Combined Disability Insurance, while it sounds relevant, is not a widely recognized term in the insurance industry like Comprehensive Disability Insurance. Therefore, Comprehensive Disability Insurance accurately captures the essence of a policy that encompasses both short-term and long-term disabilities efficiently.