Rumela has a disability insurance (DI) policy that pays $4,500 per month in the event of disability.

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Question:

Rumela has a disability insurance (DI) policy that pays $4,500 per month in the event of disability. The policy has a presumptive disability clause, a 90-day waiting period, and 10-year benefit period. Subsequently, Rumela is injured and becomes totally and permanently deaf. However, this does not result in a loss of earnings since Rumela’s deafness does not affect her ability to function normally in her job as a computer software programmer. Which of the following statements CORRECTLY describes the outcome in this situation?

a. Rumela would not qualify for benefits under her policy.

b. Rumela would receive $4,500 per month starting immediately.

c. Rumela would receive $4,500 per month starting after 90 days.

d. Rumela’s benefits will be discontinued if she returns to work.