{
  "meta": {
    "title": "Insurance Planning Chapter 6 Exam Bank",
    "language": "zh-CN",
    "question_count": 30,
    "quality_version": "reliability_v2",
    "answer_distribution": {
      "A": 4,
      "B": 4,
      "C": 3,
      "D": 3
    },
    "note": "原创题库，用于学习和自测；不复制教材题目。选择题答案位置已打散，解释含错因。"
  },
  "questions": [
    {
      "id": "c6-q001",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "disability_income_insurance"
      ],
      "learning_objective_id": "c6-lo01",
      "question": "关于 Disability income insurance，哪项判断最准确？",
      "choices": {
        "A": "因疾病或意外无法工作时替代一部分劳动收入。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "SSDI 通常支付短期和部分伤残。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Disability income insurance 的核心是：因疾病或意外无法工作时替代一部分劳动收入。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "错误。SSA 对 disability 定义严格，通常只付 total disability。"
      },
      "explanation": "正确答案是 A。正确。Disability income insurance 的核心是：因疾病或意外无法工作时替代一部分劳动收入。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "disability_income_insurance",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q002",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "own_occupation"
      ],
      "learning_objective_id": "c6-lo02",
      "question": "关于 Own occupation，哪项判断最准确？",
      "choices": {
        "A": "elimination period 是最长给付年限。",
        "B": "无法从事自己的本职职业即可触发，通常对专业人士更有价值。",
        "C": "SSDI 通常支付短期和部分伤残。",
        "D": "雇主付保费的 LTD 给付一定免税。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "B": "正确。Own occupation 的核心是：无法从事自己的本职职业即可触发，通常对专业人士更有价值。",
        "C": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "D": "错误。雇主税前支付保费时，给付常可能应税。"
      },
      "explanation": "正确答案是 B。正确。Own occupation 的核心是：无法从事自己的本职职业即可触发，通常对专业人士更有价值。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "own_occupation",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q003",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "any_occupation"
      ],
      "learning_objective_id": "c6-lo03",
      "question": "关于 Any occupation，哪项判断最准确？",
      "choices": {
        "A": "SSDI 通常支付短期和部分伤残。",
        "B": "雇主付保费的 LTD 给付一定免税。",
        "C": "只有无法从事任何合理职业时才触发，理赔门槛更高。",
        "D": "伤残险主要报销医院账单。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "B": "错误。雇主税前支付保费时，给付常可能应税。",
        "C": "正确。Any occupation 的核心是：只有无法从事任何合理职业时才触发，理赔门槛更高。",
        "D": "错误。医院账单是健康险重点，伤残险重点是收入替代。"
      },
      "explanation": "正确答案是 C。正确。Any occupation 的核心是：只有无法从事任何合理职业时才触发，理赔门槛更高。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "any_occupation",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q004",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "elimination_period"
      ],
      "learning_objective_id": "c6-lo04",
      "question": "关于 Elimination period，哪项判断最准确？",
      "choices": {
        "A": "雇主付保费的 LTD 给付一定免税。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "伤残发生后到开始领取给付前的等待期。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。雇主税前支付保费时，给付常可能应税。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "正确。Elimination period 的核心是：伤残发生后到开始领取给付前的等待期。"
      },
      "explanation": "正确答案是 D。正确。Elimination period 的核心是：伤残发生后到开始领取给付前的等待期。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "elimination_period",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q005",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "benefit_period"
      ],
      "learning_objective_id": "c6-lo05",
      "question": "关于 Benefit period，哪项判断最准确？",
      "choices": {
        "A": "保单最多支付伤残给付的期限。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "SSDI 通常支付短期和部分伤残。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Benefit period 的核心是：保单最多支付伤残给付的期限。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "错误。SSA 对 disability 定义严格，通常只付 total disability。"
      },
      "explanation": "正确答案是 A。正确。Benefit period 的核心是：保单最多支付伤残给付的期限。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "benefit_period",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q006",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "residual_disability"
      ],
      "learning_objective_id": "c6-lo01",
      "question": "关于 Residual disability，哪项判断最准确？",
      "choices": {
        "A": "elimination period 是最长给付年限。",
        "B": "部分伤残导致收入下降时按规则给付。",
        "C": "SSDI 通常支付短期和部分伤残。",
        "D": "雇主付保费的 LTD 给付一定免税。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "B": "正确。Residual disability 的核心是：部分伤残导致收入下降时按规则给付。",
        "C": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "D": "错误。雇主税前支付保费时，给付常可能应税。"
      },
      "explanation": "正确答案是 B。正确。Residual disability 的核心是：部分伤残导致收入下降时按规则给付。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "residual_disability",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q007",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "noncancelable_di"
      ],
      "learning_objective_id": "c6-lo02",
      "question": "关于 Noncancelable，哪项判断最准确？",
      "choices": {
        "A": "SSDI 通常支付短期和部分伤残。",
        "B": "雇主付保费的 LTD 给付一定免税。",
        "C": "保险公司不能取消保单，也不能提高指定保费，只要客户按时缴费。",
        "D": "伤残险主要报销医院账单。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "B": "错误。雇主税前支付保费时，给付常可能应税。",
        "C": "正确。Noncancelable 的核心是：保险公司不能取消保单，也不能提高指定保费，只要客户按时缴费。",
        "D": "错误。医院账单是健康险重点，伤残险重点是收入替代。"
      },
      "explanation": "正确答案是 C。正确。Noncancelable 的核心是：保险公司不能取消保单，也不能提高指定保费，只要客户按时缴费。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "noncancelable_di",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q008",
      "type": "multiple_choice",
      "difficulty": "basic",
      "concept_ids": [
        "guaranteed_renewable_di"
      ],
      "learning_objective_id": "c6-lo03",
      "question": "关于 Guaranteed renewable，哪项判断最准确？",
      "choices": {
        "A": "雇主付保费的 LTD 给付一定免税。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "保险公司不能单独取消客户保单，但可能对同类被保险人调高保费。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。雇主税前支付保费时，给付常可能应税。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "正确。Guaranteed renewable 的核心是：保险公司不能单独取消客户保单，但可能对同类被保险人调高保费。"
      },
      "explanation": "正确答案是 D。正确。Guaranteed renewable 的核心是：保险公司不能单独取消客户保单，但可能对同类被保险人调高保费。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "guaranteed_renewable_di",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q009",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "group_ltd"
      ],
      "learning_objective_id": "c6-lo04",
      "question": "关于 Group long-term disability，哪项判断最准确？",
      "choices": {
        "A": "雇主提供的长期伤残保障，通常成本低但定义、保额和可携带性受限。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "SSDI 通常支付短期和部分伤残。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Group long-term disability 的核心是：雇主提供的长期伤残保障，通常成本低但定义、保额和可携带性受限。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "错误。SSA 对 disability 定义严格，通常只付 total disability。"
      },
      "explanation": "正确答案是 A。正确。Group long-term disability 的核心是：雇主提供的长期伤残保障，通常成本低但定义、保额和可携带性受限。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "group_ltd",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q010",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "taxation_disability_benefits"
      ],
      "learning_objective_id": "c6-lo05",
      "question": "关于 Taxation of disability benefits，哪项判断最准确？",
      "choices": {
        "A": "elimination period 是最长给付年限。",
        "B": "一般规律：谁用税后钱付保费，谁更可能收到免税给付；雇主税前支付通常导致给付应税。",
        "C": "SSDI 通常支付短期和部分伤残。",
        "D": "雇主付保费的 LTD 给付一定免税。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "B": "正确。Taxation of disability benefits 的核心是：一般规律：谁用税后钱付保费，谁更可能收到免税给付；雇主税前支付通常导致给付应税。",
        "C": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "D": "错误。雇主税前支付保费时，给付常可能应税。"
      },
      "explanation": "正确答案是 B。正确。Taxation of disability benefits 的核心是：一般规律：谁用税后钱付保费，谁更可能收到免税给付；雇主税前支付通常导致给付应税。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "taxation_disability_benefits",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q011",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "workers_compensation"
      ],
      "learning_objective_id": "c6-lo01",
      "question": "关于 Workers compensation，哪项判断最准确？",
      "choices": {
        "A": "SSDI 通常支付短期和部分伤残。",
        "B": "雇主付保费的 LTD 给付一定免税。",
        "C": "处理工作相关伤害或疾病的法定保障。",
        "D": "伤残险主要报销医院账单。"
      },
      "answer": "C",
      "rationale_by_choice": {
        "A": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "B": "错误。雇主税前支付保费时，给付常可能应税。",
        "C": "正确。Workers compensation 的核心是：处理工作相关伤害或疾病的法定保障。",
        "D": "错误。医院账单是健康险重点，伤残险重点是收入替代。"
      },
      "explanation": "正确答案是 C。正确。Workers compensation 的核心是：处理工作相关伤害或疾病的法定保障。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "workers_compensation",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q012",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "ssdi"
      ],
      "learning_objective_id": "c6-lo02",
      "question": "关于 Social Security Disability Insurance，哪项判断最准确？",
      "choices": {
        "A": "雇主付保费的 LTD 给付一定免税。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "政府伤残福利，定义严格，通常不足以替代个人收入保障。"
      },
      "answer": "D",
      "rationale_by_choice": {
        "A": "错误。雇主税前支付保费时，给付常可能应税。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "正确。Social Security Disability Insurance 的核心是：政府伤残福利，定义严格，通常不足以替代个人收入保障。"
      },
      "explanation": "正确答案是 D。正确。Social Security Disability Insurance 的核心是：政府伤残福利，定义严格，通常不足以替代个人收入保障。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "ssdi",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q013",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "business_overhead_expense"
      ],
      "learning_objective_id": "c6-lo03",
      "question": "关于 Business overhead expense insurance，哪项判断最准确？",
      "choices": {
        "A": "企业主伤残时支付企业固定开支，不是个人生活费。",
        "B": "伤残险主要报销医院账单。",
        "C": "elimination period 是最长给付年限。",
        "D": "SSDI 通常支付短期和部分伤残。"
      },
      "answer": "A",
      "rationale_by_choice": {
        "A": "正确。Business overhead expense insurance 的核心是：企业主伤残时支付企业固定开支，不是个人生活费。",
        "B": "错误。医院账单是健康险重点，伤残险重点是收入替代。",
        "C": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "D": "错误。SSA 对 disability 定义严格，通常只付 total disability。"
      },
      "explanation": "正确答案是 A。正确。Business overhead expense insurance 的核心是：企业主伤残时支付企业固定开支，不是个人生活费。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "business_overhead_expense",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q014",
      "type": "multiple_choice",
      "difficulty": "medium",
      "concept_ids": [
        "disability_buy_sell"
      ],
      "learning_objective_id": "c6-lo04",
      "question": "关于 Disability buy-sell，哪项判断最准确？",
      "choices": {
        "A": "elimination period 是最长给付年限。",
        "B": "企业所有者长期伤残时，为买断其股权提供资金。",
        "C": "SSDI 通常支付短期和部分伤残。",
        "D": "雇主付保费的 LTD 给付一定免税。"
      },
      "answer": "B",
      "rationale_by_choice": {
        "A": "错误。elimination period 是等待期，benefit period 才是给付期。",
        "B": "正确。Disability buy-sell 的核心是：企业所有者长期伤残时，为买断其股权提供资金。",
        "C": "错误。SSA 对 disability 定义严格，通常只付 total disability。",
        "D": "错误。雇主税前支付保费时，给付常可能应税。"
      },
      "explanation": "正确答案是 B。正确。Disability buy-sell 的核心是：企业所有者长期伤残时，为买断其股权提供资金。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。",
      "tags": [
        "chapter_6",
        "disability_buy_sell",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q015",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "disability_income_insurance",
        "own_occupation",
        "any_occupation"
      ],
      "question": "案例陷阱题：把 elimination period 当 benefit period。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：把 elimination period 当 benefit period。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：把 elimination period 当 benefit period。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "tags": [
        "chapter_6",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q016",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "disability_income_insurance",
        "own_occupation",
        "any_occupation"
      ],
      "question": "案例陷阱题：把伤残险当健康险。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：把伤残险当健康险。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：把伤残险当健康险。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "tags": [
        "chapter_6",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q017",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "disability_income_insurance",
        "own_occupation",
        "any_occupation"
      ],
      "question": "案例陷阱题：忽略 employer-paid LTD 给付可能应税。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：忽略 employer-paid LTD 给付可能应税。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：忽略 employer-paid LTD 给付可能应税。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "tags": [
        "chapter_6",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q018",
      "type": "scenario_short_answer",
      "difficulty": "medium",
      "concept_ids": [
        "disability_income_insurance",
        "own_occupation",
        "any_occupation"
      ],
      "question": "案例陷阱题：以为 SSDI 标准宽松且足够。。学生应该怎样纠正这个判断？",
      "answer": "具体错因：以为 SSDI 标准宽松且足够。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "key_points": [
        "先判断损失类型",
        "再判断触发条件",
        "最后判断付款人/受益人/税务或合同边界"
      ],
      "rubric": {
        "full_credit": "能指出具体错因并给出正确判断顺序",
        "partial_credit": "只说出概念定义但没有应用到案例"
      },
      "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：以为 SSDI 标准宽松且足够。。伤残险要先看 own/any occupation、residual、等待期、给付期和税后现金流。",
      "tags": [
        "chapter_6",
        "exam_trap",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q019",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "benefit_period",
        "guaranteed_renewable_di"
      ],
      "question": "比较 Benefit period 与 Guaranteed renewable：考试中应如何分辨？",
      "answer": "Benefit period：保单最多支付伤残给付的期限。；Guaranteed renewable：保险公司不能单独取消客户保单，但可能对同类被保险人调高保费。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Benefit period 的信号是 等待期短不代表保障长。；Guaranteed renewable 的信号是 不等于保费永远不变。。",
      "tags": [
        "chapter_6",
        "benefit_period",
        "guaranteed_renewable_di",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q020",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "residual_disability",
        "group_ltd"
      ],
      "question": "比较 Residual disability 与 Group long-term disability：考试中应如何分辨？",
      "answer": "Residual disability：部分伤残导致收入下降时按规则给付。；Group long-term disability：雇主提供的长期伤残保障，通常成本低但定义、保额和可携带性受限。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Residual disability 的信号是 不一定要完全不能工作。；Group long-term disability 的信号是 税后金额可能远低于表面百分比。。",
      "tags": [
        "chapter_6",
        "residual_disability",
        "group_ltd",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q021",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "noncancelable_di",
        "taxation_disability_benefits"
      ],
      "question": "比较 Noncancelable 与 Taxation of disability benefits：考试中应如何分辨？",
      "answer": "Noncancelable：保险公司不能取消保单，也不能提高指定保费，只要客户按时缴费。；Taxation of disability benefits：一般规律：谁用税后钱付保费，谁更可能收到免税给付；雇主税前支付通常导致给付应税。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Noncancelable 的信号是 通常比 guaranteed renewable 更强。；Taxation of disability benefits 的信号是 考试常用税务反转净收入。。",
      "tags": [
        "chapter_6",
        "noncancelable_di",
        "taxation_disability_benefits",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q022",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "guaranteed_renewable_di",
        "workers_compensation"
      ],
      "question": "比较 Guaranteed renewable 与 Workers compensation：考试中应如何分辨？",
      "answer": "Guaranteed renewable：保险公司不能单独取消客户保单，但可能对同类被保险人调高保费。；Workers compensation：处理工作相关伤害或疾病的法定保障。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Guaranteed renewable 的信号是 不等于保费永远不变。；Workers compensation 的信号是 非工伤疾病通常不靠它。。",
      "tags": [
        "chapter_6",
        "guaranteed_renewable_di",
        "workers_compensation",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q023",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "group_ltd",
        "ssdi"
      ],
      "question": "比较 Group long-term disability 与 Social Security Disability Insurance：考试中应如何分辨？",
      "answer": "Group long-term disability：雇主提供的长期伤残保障，通常成本低但定义、保额和可携带性受限。；Social Security Disability Insurance：政府伤残福利，定义严格，通常不足以替代个人收入保障。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Group long-term disability 的信号是 税后金额可能远低于表面百分比。；Social Security Disability Insurance 的信号是 不能当完整 DI 计划。。",
      "tags": [
        "chapter_6",
        "group_ltd",
        "ssdi",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q024",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "taxation_disability_benefits",
        "business_overhead_expense"
      ],
      "question": "比较 Taxation of disability benefits 与 Business overhead expense insurance：考试中应如何分辨？",
      "answer": "Taxation of disability benefits：一般规律：谁用税后钱付保费，谁更可能收到免税给付；雇主税前支付通常导致给付应税。；Business overhead expense insurance：企业主伤残时支付企业固定开支，不是个人生活费。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Taxation of disability benefits 的信号是 考试常用税务反转净收入。；Business overhead expense insurance 的信号是 不要拿 BOE 替代个人 DI。。",
      "tags": [
        "chapter_6",
        "taxation_disability_benefits",
        "business_overhead_expense",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q025",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "workers_compensation",
        "disability_buy_sell"
      ],
      "question": "比较 Workers compensation 与 Disability buy-sell：考试中应如何分辨？",
      "answer": "Workers compensation：处理工作相关伤害或疾病的法定保障。；Disability buy-sell：企业所有者长期伤残时，为买断其股权提供资金。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Workers compensation 的信号是 非工伤疾病通常不靠它。；Disability buy-sell 的信号是 解决股权流动性，不解决短期收入。。",
      "tags": [
        "chapter_6",
        "workers_compensation",
        "disability_buy_sell",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q026",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "ssdi",
        "disability_income_insurance"
      ],
      "question": "比较 Social Security Disability Insurance 与 Disability income insurance：考试中应如何分辨？",
      "answer": "Social Security Disability Insurance：政府伤残福利，定义严格，通常不足以替代个人收入保障。；Disability income insurance：因疾病或意外无法工作时替代一部分劳动收入。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Social Security Disability Insurance 的信号是 不能当完整 DI 计划。；Disability income insurance 的信号是 医疗账单不是 DI 的主战场。。",
      "tags": [
        "chapter_6",
        "ssdi",
        "disability_income_insurance",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q027",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "business_overhead_expense",
        "own_occupation"
      ],
      "question": "比较 Business overhead expense insurance 与 Own occupation：考试中应如何分辨？",
      "answer": "Business overhead expense insurance：企业主伤残时支付企业固定开支，不是个人生活费。；Own occupation：无法从事自己的本职职业即可触发，通常对专业人士更有价值。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Business overhead expense insurance 的信号是 不要拿 BOE 替代个人 DI。；Own occupation 的信号是 比 any occupation 更宽松，成本也更高。。",
      "tags": [
        "chapter_6",
        "business_overhead_expense",
        "own_occupation",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q028",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "disability_buy_sell",
        "any_occupation"
      ],
      "question": "比较 Disability buy-sell 与 Any occupation：考试中应如何分辨？",
      "answer": "Disability buy-sell：企业所有者长期伤残时，为买断其股权提供资金。；Any occupation：只有无法从事任何合理职业时才触发，理赔门槛更高。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Disability buy-sell 的信号是 解决股权流动性，不解决短期收入。；Any occupation 的信号是 不要把 any occupation 当高质量定义。。",
      "tags": [
        "chapter_6",
        "disability_buy_sell",
        "any_occupation",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q029",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "disability_income_insurance",
        "elimination_period"
      ],
      "question": "比较 Disability income insurance 与 Elimination period：考试中应如何分辨？",
      "answer": "Disability income insurance：因疾病或意外无法工作时替代一部分劳动收入。；Elimination period：伤残发生后到开始领取给付前的等待期。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Disability income insurance 的信号是 医疗账单不是 DI 的主战场。；Elimination period 的信号是 不是给付期。。",
      "tags": [
        "chapter_6",
        "disability_income_insurance",
        "elimination_period",
        "comparison",
        "reliability_v2"
      ]
    },
    {
      "id": "c6-q030",
      "type": "comparison",
      "difficulty": "medium",
      "concept_ids": [
        "own_occupation",
        "benefit_period"
      ],
      "question": "比较 Own occupation 与 Benefit period：考试中应如何分辨？",
      "answer": "Own occupation：无法从事自己的本职职业即可触发，通常对专业人士更有价值。；Benefit period：保单最多支付伤残给付的期限。。",
      "key_points": [
        "分辨风险对象",
        "分辨触发条件",
        "分辨现金流结果",
        "分辨税务或合同限制"
      ],
      "rubric": {
        "full_credit": "能分别定义两个概念并说明案例边界",
        "partial_credit": "只写定义但没有说明边界"
      },
      "explanation": "比较题要避免把相邻概念混用。Own occupation 的信号是 比 any occupation 更宽松，成本也更高。；Benefit period 的信号是 等待期短不代表保障长。。",
      "tags": [
        "chapter_6",
        "own_occupation",
        "benefit_period",
        "comparison",
        "reliability_v2"
      ]
    }
  ]
}