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NJ Accident & Health Exam questions with correct answers
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NJ Accident & Health Exam questions with correct answers
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NJ ccAccident cc& ccHealthccExam
1. After cca ccperson's ccemployment ccis ccterminated, ccit ccis ccSecurity ccis
ccpossi- ccble ccto ccobtain ccindividual cchealth ccmore ccthan
ccinsurance ccafter cclosing ccthe ccgroup cchealth ccthe ccamount
cccoverage ccprovided ccby ccthe ccemployer. ccWhich ccof ccpavable
ccthe ccfollowing ccis ccNOT cctrue? ccunder ccthe
ccrider.
A. The ccemployee cccan ccconvert ccfrom ccgroup ccto C. When
ccindividual ccinsurance ccwithin cc31 ccdays ccof ccused
cctermination. ccto
B. The ccpremium ccof ccthe ccindividual cchealth ccreplace
ccinsurance ccpolicy cccan ccbe cchigher ccthan ccthe ccor
ccoriginal ccpolicy. ccsupple
C. By cclaw, ccthe ccnew, ccindividual ccpolicy ccmust ment
ccprovide ccthe ccsame ccbenefits ccas ccthe ccgroup ccbenefit
ccinsurance ccpolicy. s
D. Continuation ccof ccgroup cccoverage ccneed ccnot ccpayable
ccinclude ccdental, ccvision, ccor ccprescription ccdrug ccunder
ccbenefits. ccother
ccsocial
2. Underwriting ccis cca ccmajor ccconsideration ccwhen ccinsuran
ccan ccin- ccsured ccwishes ccto ccreplace ccher cccurrent ce
ccpolicy ccfor ccall ccof ccthe ccfollowing ccreasons ccprogra
ccEXCEPT ms.
D. When
A. Due ccto ccage ccor cchealth, ccthe ccpolicy ccmay ccchange ccthe
ccdramat- ccically. ccinsured
B. Pre-existing ccconditions ccthat ccwere ccpreviously ccis
cccov- ccered ccmay ccnot ccbe cccovered ccunder ccthe cceligible
ccreplacing ccpolicy. ccfor
C. Benefits ccmay ccchange. ccSocial
D. Premiums ccalways ccstay ccthe ccsame. ccSecurity
ccbenefits
3. Social ccSecurity ccSupplement cc(SIS) ccor ccSocial ccbut
ccSecurity ccRiders ccwould ccprovide ccfor ccthe ccpayment ccbefore
ccof ccincome ccben- ccefits ccin cceach ccof ccthe ccsituations ccthe
ccbelow ccEXCEPT ccbenefits
ccbegin.
A. If ccthe ccinsured cchas ccbeen ccdenied cccoverage
ccunder ccSocial ccSecurity.
B. When ccthe ccamount ccpavable ccunder ccSocial
1 cc/
cc42
, NJ ccAccident cc& ccHealth
ccExam
C. ccBy cclaw, ccthe ccnew, ccindividual ccpolicy ccmust
ccprovide ccthe ccsame ccbenefits ccas ccthe ccgroup ccinsur-
ccance ccpolicy.
B. ccWhen ccthe
ccamount
ccpavable
ccunder ccSocial
ccSe- cccurity ccis
ccmore ccthan
D. ccPremiums ccal- ccways ccstay ccthe ccsame. ccthe ccamount
ccpavable
ccunder ccthe
ccrider.
4.
2 cc/
cc42
, NJ ccAccident cc& ccHealth
ccExam
All ccof ccthe ccfollowing ccare cctrue ccabout ccgroup A. Home
ccdisability ccincome ccinsurance ccEXCEPT cchealth
ccservices.
A. Benefits ccare ccusually ccshort ccterm. B. Physician's
B. The ccwaiting ccperiod ccstarts ccat ccthe cconset ccof ccand
ccthe ccinjury ccor ccsickness. ccsurgeon's
C. The cclonger ccthe ccwaiting ccperiod, ccthe cclower ccthe ccservices.
ccpremi- ccum.
D. Coverage ccapplies ccboth ccon ccand ccoff ccthe ccjob.
5. The cccorridor ccdeductible ccderives ccits ccname ccfrom
ccthe ccfact ccthat ccit ccis ccapplied ccbetween ccthe ccbasic
cccoverage ccand ccthe
A. Interval ccexpense cccoverage.
B. Limited cccoverage.
C. Major ccmedical cccoverage.
D. Comprehensive ccexpense cccoverage.
6. Licensees ccmust ccfile ccwith ccthe ccDepartment cca
ccbranch ccoffice ccregistration ccform ccwithin cchow
ccmany ccdays ccbefore ccbusiness ccis ccfirst ccconducted
ccthere?
a) 10
b) 15
c) 20
d) 30
7. A ccproducer ccreceived cca ccgroup ccmaster ccpolicy
ccand cccer- cctificates ccfor ccdelivery ccto ccthe ccinsured.
ccWithin cchow ccmany ccdays ccmust ccthe ccpolicy ccand
cccertificates ccbe ccdelivered?
A. 5 cccalendar ccdavs
B. 10 ccbusiness ccdays
C. 10 cccalendar ccdavs
D. 5 ccbusiness ccdavs
8. All ccof ccthe ccfollowing ccare cccovered ccby ccPart ccA ccof
ccMedicare ccEXCEPT
3 cc/
cc42
, NJ ccAccident cc& ccHealth
ccExam
D. ccCoverage ccap- ccplies ccboth ccon ccand ccoff ccthe ccjob.
C. ccMajor ccmedical cccoverage.
d) cc30
C. cc10 cccalendar ccdavs
B. ccPhysician's ccand ccsurgeon's ccser- ccvices.
4 cc/
cc42
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