Jhaque
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HEALTH AND ACCIDENT INSURANCE EXAM. CHAPTER 4. QUESTIONS AND ANSWERS.
31. A group Disability Income plan that pays tax-free benefits to covered employees is considered 
 
32. HIPAA considers which of the following as "individually identifiable health information"? 
 
33. An employer is issued a group medical insurance policy. This single contract is known as a(n) 
 
34. Group health plans may deny participation based upon the 
 
35. Ron has a new employer and wishes to enroll in the company's group health plan. In determining whether his pre-existing health con...
- Package deal
- Exam (elaborations)
- • 10 pages •
31. A group Disability Income plan that pays tax-free benefits to covered employees is considered 
 
32. HIPAA considers which of the following as "individually identifiable health information"? 
 
33. An employer is issued a group medical insurance policy. This single contract is known as a(n) 
 
34. Group health plans may deny participation based upon the 
 
35. Ron has a new employer and wishes to enroll in the company's group health plan. In determining whether his pre-existing health con...
LIFE, HEALTH AND ACCIDENT INSURANCE EXAM CHAPTER 3. QUESTIONS AND ANSWERS.
25. P is a new employee and will be obtaining non-contributory group Major Medical insurance from her employer. Which of the following actions must she take during the open enrollment period? 
 
26. The federal income tax treatment of employer-provided group Medical Expense insurance can be accurately described as... 
 
27. Which of the following characteristics is associated with a large group disability income policy? 
 
28. The provision in a Group Health policy that allows the insurer to pos...
- Package deal
- Exam (elaborations)
- • 8 pages •
25. P is a new employee and will be obtaining non-contributory group Major Medical insurance from her employer. Which of the following actions must she take during the open enrollment period? 
 
26. The federal income tax treatment of employer-provided group Medical Expense insurance can be accurately described as... 
 
27. Which of the following characteristics is associated with a large group disability income policy? 
 
28. The provision in a Group Health policy that allows the insurer to pos...
LIFE, HEALTH AND ACCIDENT INSURANCE EXAM. CHAPTER 1. QUESTIONS AND ANSWERS.
21. ABC Partnership is a business with a limited number of partners. Which disability buy-sell agreement is best suited for this business? 
 
22. Individuals covered with employer-paid group health plans will normally receive tax-free benefits under all of these plans EXCEPT 
 
23. What action can an insurer take to discourage malingering and false disability claims? 
 
24. Group accident and health insurance may be offered by an insurer when the sponsoring group 
Provides an employer-employee r...
- Package deal
- Exam (elaborations)
- • 5 pages •
21. ABC Partnership is a business with a limited number of partners. Which disability buy-sell agreement is best suited for this business? 
 
22. Individuals covered with employer-paid group health plans will normally receive tax-free benefits under all of these plans EXCEPT 
 
23. What action can an insurer take to discourage malingering and false disability claims? 
 
24. Group accident and health insurance may be offered by an insurer when the sponsoring group 
Provides an employer-employee r...
LIFE HEALTH AND ACCIDENT INSURANCE EXAM. CHAPTER 12. QUESTIONS AND ANSWERS.
50. If an employee contributes 50% toward the disability plan premium provided by an employer, what would be considered the taxable income of a $1,000 monthly disability benefit? 
A) $100 
B) $250 
C) $500 
D) $1,000 
 
51. Minimum participation standards exist for group health insurance plans in order to 
A) cover the agent's commission 
B) prevent adverse selection 
C) avoid treating benefits as taxable income 
D) meet state requirements 
 
52. Which of the following would evidence ownership ...
- Package deal
- Exam (elaborations)
- • 17 pages •
50. If an employee contributes 50% toward the disability plan premium provided by an employer, what would be considered the taxable income of a $1,000 monthly disability benefit? 
A) $100 
B) $250 
C) $500 
D) $1,000 
 
51. Minimum participation standards exist for group health insurance plans in order to 
A) cover the agent's commission 
B) prevent adverse selection 
C) avoid treating benefits as taxable income 
D) meet state requirements 
 
52. Which of the following would evidence ownership ...
LIFE, HEALTH AND ACCIDENT INSURANCE FINAL EXAM. QUESTIONS AND ANSWERS.
60. On a major medical insurance policy, the amount that an insured must pay on a claim before the insurer will pay is known as: 
Deductible 
 
61. Insurers offering Medigap policies in California must offer Medicare supplement: 
Plans 'A' and either Plan 'C' or 'F' 
 
62. Part A of original Medicare provides coverage for those who are terminally ill and have six months or less to live, which is known as: 
Hospice care 
 
63. An LTC policy can be replaced in all of the following situations...
- Package deal
- Exam (elaborations)
- • 11 pages •
60. On a major medical insurance policy, the amount that an insured must pay on a claim before the insurer will pay is known as: 
Deductible 
 
61. Insurers offering Medigap policies in California must offer Medicare supplement: 
Plans 'A' and either Plan 'C' or 'F' 
 
62. Part A of original Medicare provides coverage for those who are terminally ill and have six months or less to live, which is known as: 
Hospice care 
 
63. An LTC policy can be replaced in all of the following situations...
LIFE, HEALTH AND ACCIDENT INSURANCE EXAM. QUESTIONS WITH 100% VERIFIED ANSWERS.
81. All of the following would be different between qualified and nonqualified retirement plans EXCEPT... 
A. Taxation of contributors 
B. IRS approval requirements 
C. Taxation on accumulation 
D. Taxation of withdrawals 
 
82. In an traditional IRA plan, who would be allowed catch-up contributions? 
A. Anyone with earned income 
B. Individuals age 50 or older 
C. Individuals who have dependents 
D. Individuals who contribute less than the allowed maximum amount 
 
83. All of the following appl...
- Package deal
- Exam (elaborations)
- • 19 pages •
81. All of the following would be different between qualified and nonqualified retirement plans EXCEPT... 
A. Taxation of contributors 
B. IRS approval requirements 
C. Taxation on accumulation 
D. Taxation of withdrawals 
 
82. In an traditional IRA plan, who would be allowed catch-up contributions? 
A. Anyone with earned income 
B. Individuals age 50 or older 
C. Individuals who have dependents 
D. Individuals who contribute less than the allowed maximum amount 
 
83. All of the following appl...
LIFE HEALTH AND ACCIDENT INSURANCE EXAM. CHAPTER 12. QUESTIONS AND ANSWERS.
50. Mary is an employee who is covered with a disability income policy through her employer. She pays for the portion of the premium attributable to the cost of residual disability benefits, while her employer pays for the remainder. What are the tax implications of this policy? 
 
51. What is the name of the period of time during which a new employee is ineligible for group Health insurance coverage? 
 
52. Under HIPAA, medical plan late enrollees may be excluded for pre-existing conditions for...
- Package deal
- Exam (elaborations)
- • 10 pages •
50. Mary is an employee who is covered with a disability income policy through her employer. She pays for the portion of the premium attributable to the cost of residual disability benefits, while her employer pays for the remainder. What are the tax implications of this policy? 
 
51. What is the name of the period of time during which a new employee is ineligible for group Health insurance coverage? 
 
52. Under HIPAA, medical plan late enrollees may be excluded for pre-existing conditions for...
ACCIDENT AND HEALTH INSURANCE AGENT EXAM. QUESTIONS WITH 100% VERIFIED ANSWERS.
85. A contract that heavily restricts one party while leaving the other free (as some standard form printed contracts), and implies inequality in bargaining power is: 
1. A contract of adhesion 
2. A conditional contract 
3. An aleatory contract 
4. A unilateral contract 
 
86. There are number of clauses in an insurance contract. One of the clauses identifies the contracting parties (the insured and the insurance company) and also the scope and limits of coverage. This clause is referred to as:...
- Package deal
- Exam (elaborations)
- • 28 pages •
85. A contract that heavily restricts one party while leaving the other free (as some standard form printed contracts), and implies inequality in bargaining power is: 
1. A contract of adhesion 
2. A conditional contract 
3. An aleatory contract 
4. A unilateral contract 
 
86. There are number of clauses in an insurance contract. One of the clauses identifies the contracting parties (the insured and the insurance company) and also the scope and limits of coverage. This clause is referred to as:...
HEALTH AND ACCIDENT INSURANCE EXAM. QUESTIONS WITH 100% EXAM
45. Many small business owners worry how their business would survive financially if the owner becomes disabled. The policy which BEST addresses this concern is 
 
46. How does group insurance differ from individual insurance? 
 
47. The Coordination of Benefits provision 
 
48. What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her consent when a change of beneficiary is made? 
 
49. An accident policy will most likely pay a benefit for a(n) 
 
50. The dif...
- Package deal
- Exam (elaborations)
- • 12 pages •
45. Many small business owners worry how their business would survive financially if the owner becomes disabled. The policy which BEST addresses this concern is 
 
46. How does group insurance differ from individual insurance? 
 
47. The Coordination of Benefits provision 
 
48. What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her consent when a change of beneficiary is made? 
 
49. An accident policy will most likely pay a benefit for a(n) 
 
50. The dif...
HEALTH AND ACCIDENT INSURANCE EXAM. QUESTIONS WITH ANSWERS.
20. A group Disability Income plan that pays tax-free benefits to covered employees is considered 
A.	Non-contributory 
B.	Partially contributory 
C.	Group contributory 
D.	Fully contributory 
 
21. Which of the following would evidence ownership in a participating health insurance contract? 
A.	Stock ownership 
B.	Irrevocable beneficiary status 
C.	Policy ownership 
D.	Collateral assignment 
 
22. Which of the following does Coordination of Benefits allow? 
A.	Allows the secondary payor to redu...
- Package deal
- Exam (elaborations)
- • 6 pages •
20. A group Disability Income plan that pays tax-free benefits to covered employees is considered 
A.	Non-contributory 
B.	Partially contributory 
C.	Group contributory 
D.	Fully contributory 
 
21. Which of the following would evidence ownership in a participating health insurance contract? 
A.	Stock ownership 
B.	Irrevocable beneficiary status 
C.	Policy ownership 
D.	Collateral assignment 
 
22. Which of the following does Coordination of Benefits allow? 
A.	Allows the secondary payor to redu...
NUR 211 / NUR211 LIFESPAN FINAL EXAM. QUESTIONS WITH 100% VERIFIED ANSWERS.
NUR 211 / NUR211 LIFESPAN FINAL EXAM. QUESTIONS WITH 100% VERIFIED ANSWERS.
NURS 110 / NURS110 MIDTERM EXAM. QUESTIONS AND ANSWERS.
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NURS 110 / NURS110 MIDTERM EXAM. QUESTIONS AND ANSWERS.
NUR 211 / NUR211 LIFESPAN FINAL EXAM. QUESTIONS WITH 100% VERIFIED ANSWERS.