AD Banker Comprehensive Practice Exam

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Enhance your exam readiness with the AD Banker Comprehensive Exam guide. Includes flashcards and multiple-choice questions with explanations.

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

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If an individual is unable to work at all due to a disability, how would they likely be classified?

Totally disabled
Permanently disabled
Partially disabled
Temporarily disabled

The correct answer is: Totally disabled

When an individual cannot perform any work activities due to a disability, they are classified as totally disabled. This classification indicates that the individual has a complete inability to engage in any gainful employment, which is crucial for determining eligibility for disability benefits, various types of insurance policies, and support services. The terms "permanently disabled," "partially disabled," and "temporarily disabled" refer to different conditions. "Permanently disabled" suggests a lifelong inability to work, which is not specified in this case and does not necessarily indicate a total inability to perform any work. "Partially disabled" implies that an individual can still perform some work despite their condition. "Temporarily disabled" indicates that the disability is expected to improve, allowing the individual to return to work in the future. In contrast, the scenario describes a situation of complete work incapacity, solidifying the classification as totally disabled.