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ND L&H · Content Area

Disability income

Disability income is a content area on the North Dakota Life & Health Insurance License Exam (ND L&H), administered by North Dakota Insurance Department. It falls under the Insurance Licensing category.

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Domain Details

Detail Information
Domain Disability income
Exam North Dakota Life & Health Insurance License Exam (ND L&H)
Domain Weight ,
Governing Body North Dakota Insurance Department
Available in App Life & Health Insurance Prep
Official Source North Dakota Insurance Department official website ↗

Try a Practice Question

Sample ND L&H Practice Question

This original C3RT practice item is from the ND L&H question bank. It is not an official or released exam question.

A worker in North Dakota suffers a disability. To determine the 'earned income' for benefit calculations, which of the following figures must the insurer use as the basis?

  1. The average monthly earnings for a period of five years immediately preceding the disability.
  2. The monthly earnings at the time the disability commences only.
  3. The greater of the monthly earnings at the time of disability or the average monthly earnings for two years immediately preceding the commencement.Correct
  4. The average monthly earnings for a period of one year immediately preceding the commencement.

Rationale

North Dakota law specifically defines earned income as the greater of the current monthly earnings or the two-year average. The other options fail because they either use incorrect timeframes (1 year or 5 years) or ignore the 'greater of' comparison requirement.

ND L&H Disability income: FAQ

How much of the ND L&H covers Disability income?

Disability income is one of 8 content areas tested on the ND L&H. North Dakota Insurance Department does not publish specific domain weightings for this exam, but Disability income appears in the official exam objectives. The C3RT app covers all 8 content areas.

What is the ND L&H exam format and how does Disability income fit in?

The ND L&H has 8 content areas. Disability income is content area 5 of 8. The other content areas are Life insurance basics and policy types, Life policy provisions, riders, and options, Annuities, Health insurance and medical expense plans, Group life and health, Federal tax treatment, North Dakota insurance law and regulations.

How do I study for the Disability income section of the ND L&H?

Targeted practice by content area is the most effective approach. The C3RT Life & Health Insurance Prep app for iOS and Mac tags every practice question by content area, so you can isolate Disability income questions, track your accuracy, and focus study time on your weak spots. Combine focused practice sets with full-length timed mock exams as your test date approaches.

How many questions are on the ND L&H and what is the passing score?

The ND L&H is administered by North Dakota Insurance Department. Visit the official North Dakota Insurance Department website for the current exam format, question count, and time limits, as these can change between exam versions. The C3RT app covers all current content areas including Disability income.

Where can I find official North Dakota Insurance Department resources for Disability income?

The official source for ND L&H content outlines and study resources is the North Dakota Insurance Department website. The exam blueprint, which details all content areas including Disability income, is published there. C3RT is not affiliated with North Dakota Insurance Department. It is a third-party practice platform that supplements official materials with thousands of practice questions, flashcards, and study tools across all 8 content areas.

Disability income is a content area on the North Dakota Life & Health Insurance License Exam (ND L&H), a Insurance Licensing exam administered by North Dakota Insurance Department. C3RT is not affiliated with North Dakota Insurance Department. Certification names and trademarks are the property of their respective organisations. Official exam information is available at the North Dakota Insurance Department website.