What amount will a disability income policy pay if the insured is hospitalized for 2 weeks after purchasing the policy with a 20-day probationary period?

A disability income policy typically includes a probationary period that serves as a waiting time before certain benefits can be accessed. In this case, the insured has purchased the policy with a 20-day probationary period. If the insured is hospitalized for 2 weeks, which is a shorter duration than the stipulated probationary period, the policy would not provide any benefit during this time.

The purpose of the probationary period is to prevent individuals from purchasing insurance and immediately filing claims for pre-existing conditions or situations that arise shortly after the policy is in place. Since the hospitalization occurred within the probationary period, no benefits would be paid at this time, leading to the conclusion that the policy would pay nothing for the hospitalization.

Thus, the outcome aligns with the stipulation of the probationary period, confirming that the insured is not eligible for benefits until after the 20 days have passed.