Tennessee: Concepts of Disability Income [Prop/Cas]

Tennessee: Concepts of Disability Income [Prop/Cas]

This Tennessee Department of Insurance approved continuing education course provides in-depth coverage of Concepts of Disability Income Insurance. Complete this course to earn CE credit hours toward your license renewal while gaining practical knowledge you can apply in your daily practice.

Course Topics

• Contractual Provisions — Definition of disability, benefit period, elimination period, and policy provisions.
• Benefits and Riders — Monthly benefits, residual disability, cost of living, and additional coverage options.
• The Disability Application — Application process, medical underwriting, and occupational classification.
• Substandard Underwriting — Risk assessment, exclusions, and modified coverage options.
• Occupation Schedule — Occupational classes, risk categories, and premium implications.
• Group Disability Benefits — Employer-sponsored coverage, STD/LTD plans, and ERISA considerations.
• Claims Handling — Claims process, documentation, and benefit administration.

What You’ll Learn

After completing this course, you will be able to:

• Explain disability income policy provisions
• Understand underwriting factors for DI coverage
• Differentiate individual and group disability plans
• Process disability claims appropriately
• Advise clients on income protection needs

Course Details

• Approval: Tennessee Department of Insurance
• Format: 100% online, self-paced
• Access: 24/7 from any device
• Final Exam: Required for completion
• Certificate: Available immediately upon passing
• Reporting: Completions reported electronically to the state

Who Should Take This Course

This course is designed for Tennessee licensed insurance producers who need continuing education credit for license renewal. The content applies to life, accident, health, and property/casualty producers depending on the specific course topic.