Elena has been a bookkeeper for a local farm equipment assembly business for 3 years and she has been a member of the group insurance plan during that time. The group plan offers short-term and long-term disability (STD and LTD). Elena wants to know when her benefit payments would start for STD should she become disabled as a result of illness. Which of the following statements about STD benefit payments is correct?
a)		The STD waiting period will be 30 days before STD benefits will be paid.
b)		STD will pay a first-day benefit if the plan is co-ordinated with employment insurance (EI).
c)		STD payments will be made after LTD coverage expires.
d)		The STD waiting period is longer when the disability is a result of an accident at work.

Surinder is 64 years old and is contemplating taking a two-month long trip to Latin America. Surinder has heard about the perils of having a medical emergency while travelling and has met with an insurance agent to get a quote for travel insurance. Which of the following would cause Surinder’s premium to increase from what he was quoted by his agent? changing his destination to the United States reducing his trip to one-month postponing his trip by a year getting diagnosed with a heart condition
a)		i and ii
b)		i and iii
c)		ii and iv
d)		iii and iv

Carter recently applied for a disability insurance policy and during the application process he failed to inform the insurer that he already had existing disability coverage. Carter was hoping to get additional coverage beyond 60% of his current income. When Carter files a claim, the insurer denies his claim because they were able to access the information about his existing coverage. How did the insurer obtain the information about Carter's existing coverage?
a)		through the Medical Insurance Bureau
b)		through the Inspection Report
c)		through the Agent’s Investigation
d)		through the Attending Physician’s Statement