School in Social Services Quiz

When do you call CPS?

when you suspect any time of abuse toward a child

What SSW must be present for the eligibility?

ASD and EI

B just bought a new car, which he anticipates will be paid for 4 years from now. He also wants to buy a life insurance policy but is financially limited until the car is paid off. Which of the following types of policies would be best for B? a) Limited Term b) Limited Pay c)Interest-sensitive Whole Life d)Modified Life

Answer: Modified Life Why: A Modified Life policy would be best. It charges a lower premium for the first few policy years and then a higher-level premium for the remainder of the life of the policy. These policies were developed to make the purchase of whole life insurance more attractive for individuals who have limited financial resources but will be able to afford higher premiums in the near future.

Which of the following is NOT true regarding Equity Indexed Annuities? a) They earn lower interest rates than fixed annuities. b) The insurance company keeps a percentage of the returns. c)They have guaranteed minimum interest rates. d)They are less risky than variable annuities.

Answer: a) They earn lower interest rates than fixed annuities. Why: Equity Indexed Annuities invest on an aggressive basis in order to yield higher returns. Like a fixed annuity, Equity Indexed Annuities have guaranteed minimum interest rates. The insurance company often keeps a predetermined percentage of the return and pays the rest to the annuity owner. Equity Indexed Annuities are less risky than variable annuities and earn higher interest rates than fixed annuities.

Which of the following is TRUE for both equity indexed annuities and fixed annuities? a) They have a guaranteed minimum interest rate. b) They are both tied to an equity index. c)Both are considered to be more risky than variable annuities. d)They invest on a conservative basis.

Answer: a) They have a guaranteed minimum interest rate. Why: While equity indexed annuities earn higher interest rates than fixed annuities, both types of annuities guarantee a specific minimum interest rate.

Under an extended term nonforfeiture option, the policy cash value is converted to a)A higher face amount than the whole life policy. b)The same face amount as in the whole life policy. c)The face amount equal to the cash value. d)A lower face amount than the whole life policy.

Answer: b) The same face amount as in the whole life policy. Why: Under this option the insurer uses the policy cash value to convert to term insurance for the same face amount as the former permanent policy.

Which of the following documents delivered to the policyowner includes information about premium amounts, cash values, surrender values and death benefits for specific policy years? a) A privacy notice b) A buyer's guide c)A policy summary d)A notice regarding replacement

Answer: c) A policy summary Why: A policy summary usually includes all the listed information and must be delivered along with a new policy.

Which of the following is a statement that is guaranteed to be true, and if untrue, may breach an insurance contract? a) Indemnity b) Representation c)Warranty d)Concealment

Answer: c) Warranty Why: A warranty in insurance is a statement guaranteed to be true. When an applicant is applying for an insurance contract, the statements he or she makes are generally not warranties but representations. Representations are statements that are true to the best of the applicant's knowledge.

Which of the following documents delivered to the policyowner includes information about premium amounts, cash values, surrender values and death benefits for specific policy years? a) A notice regarding replacement b) A privacy notices c)A buyer's guide d)A policy summary A policy summary usually includes all the listed information, and must be delivered along with a new policy.

Answer: d) A policy summary Why: A policy summary usually includes all the listed information and must be delivered along with a new policy.

What is Manifestation IEP?

Manifestation IEP always held when a student has been caught with weapons, drugs, or harmed others.

Who should report IEP goals to parents?

the SSW

To legally transact insurance in this state, an insurer must obtain which of the following? a) Certificate of Authority b) Power of Attorney c)Business entity license d)Certificate of Insurance

Answer: A. Certificate of Authority Why: A Certificate of Authority is required in order to transact insurance.

Within how many days does a licensee have to inform the Commissioner of a change of address? a)15 b)30 c)45 d)60

Answer: B. 30days Why: A licensee must inform the Commissioner of a change of legal name or address within 30 days of the change.

One disqualifier for a student to be in a group?

Conduct orders.

When is an IEP Evaluated?

Every 3 years

true/false: students are always able to get a para if requested by a parent.

False: students are always able to get a para if requested by a parent

What does MET recommend?

MET recommends eligibility.

What is the correct order for a special education evaluation?

MTSS-REED-MET-IEP

Does FERPA allow students and parents to access their records under 16 younger?

NO, only parents.

Are charter schools' private schools?

NO, they're public.

Does BIP need punishment?

NO, you want positive rewards.

Can you change the Manifestation IEP re-evaluation date?

No, you Cannot change the re-evaluation date.

Does Title 9 only apply to women?

Title 9 does not only apply to women.

What questions do you watch out for?

Watch for questions that say always!

Can you change the PLAAFE (in IEP) with an amendment?

YES

Can you use a 504 in adulthood?

YES, it could in any place that gets federal funding.

Can an EI student be placed in a resource program?

YES- eligibility doesn't determine the program.

A policyowner who is also the insured wants to name her husband as the beneficiary of her life policy. She also wishes to retain all of the rights of ownership. The policyowner should have her husband named as the a) Secondary beneficiary b) Contingent beneficiary. c)Irrevocable beneficiary d)Revocable beneficiary

d)Revocable beneficiary The policyowner may change a revocable designation at any time and without the consent of the beneficiary. Irrevocable beneficiaries, on the other hand, have a vested interest in the policy, so the policyowner may not be able to exercise certain rights without their consent.

In the underwriting process, it was determined that the applicant for life insurance is in poor health and has some dangerous habits. Which of the following is true concerning the policy premium? a) It will likely be the average premium issued to standard risks. b) The applicant's habits and health do not affect the premiums. c)It will likely be lower because the applicant is a preferred risk. d)It will likely be higher because the applicant is a substandard risk. #7. Within what time period after completing prelicensing education must an applicant file a certificate of education completion with the Commissioner?a)30 daysb)90 daysc)12 monthsd)2 years The applicant must file a certificate of completion of the prelicensing courses taken to prove that the courses were not taken more than 12 months before the Commissioner received the application.#8. An insured wants to transfer his personal insurance policy to a friend. Under what conditions would this be possible?a)It is impossible to transfer a policy.b)The insured would have to surrender his policy to the insurer, and his friend could then ask to buy it.c)The insured can transfer the policy to his friend and then notify the insurer of the change.d)The insured will need a written consent of the insurer. A personal insurance contract is written between an insurance company and an individual, and the company has a right to decide with whom it will and will not do business. An insured can transfer an insurance contract to another person, but he or she must first obtain the written consent of the insurer.#9. An insurer that does not pay a death benefit in a timely manner as required by state law, will be required toa)Pay double benefits.b)Forfeit their certificate of authority.c)Pay to the beneficiary an interest penalty from the date of the insured's death.d)Cease and desist from writing new business for 30 days. If required by state law, failure of an insurer to pay a death claim within the time parameters set could result in their having to pay an interest penalty on the proceeds from the date of the insured's death to the date of the payment.#13. In insurance policies, the insured is not legally bound to any particular action in the insurance contract, but the insurer is legally obligated to pay losses covered by the policy. What contract element does this describe?a)Unidirectionalb)Aleatoryc)Conditionald)Unilateral In a unilateral contract, the insured is not legally bound to do anything. The insurer, however, must pay losses covered by the policy.#15. A temporary license in this state is valid for a maximum ofa)30 days.b)60 days.c)90 days.d)180 days. A temporary license may be issued for up to 180 days.#17. A corporation is the owner and beneficiary of the key person life policy. If the corporation collects the policy benefit, thena)IRS has no jurisdiction.b)The benefit is received as taxable income.c)The benefit is received tax free.d)The benefit is subject to the exclusionary rule. Should a key person die, the benefit is treated as a reimbursement to the business for loss of services from that key person.#18. A long stretch of national economic hardship causes a 7% rate of inflation. A policyowner notices that the face value of her life insurance policy has been raised 7% as a result. Which policy rider caused this change?a)Cost of Living Riderb)Value Adjustment Riderc)Return of Premium Riderd)Inflation Rider The Cost of Living rider annually adjusts the policy's face value in accordance with the national rate of inflation or deflation. This rider adjusts the face amount of the policy to correspond with the rate of inflation, in order to keep the initial value of the policy constant over time.#21. The mode of premium paymenta)Is the method used to compute the cash surrender value of the policy.b)Does not affect the amount of premium paid.c)Is defined as the frequency and the amount of the premium payment.d)Is the factor that determines the amount of dividends in a policy. The mode refers to the frequency the policyowner pays the premium: monthly, quarterly, semiannually, or annually. The amount of premium will change accordingly.#22. An insurer receives a report regarding a potential insured that includes the insured's financial status, hobbies and habits. What type of a report is that?a)Underwriter's Reportb)Inspection Reportc)Medical Information Bureau's reportd)Agent's Report Inspection reports cover moral and financial information regarding a potential insured, usually supplied by private investigators and credit agencies. Companies that use inspection reports are subject to the rules outlined in the Fair Credit Reporting Act.#23. Which of the following is an example of a producer's fiduciary duty?a)An obligation to state every known fact about the policy the producer is selling.b)A duty to base all transactions upon the principle of Utmost Good Faith.c)The obligation to tell the truth to the best of one's knowledged)The trust that a client places in the producer in regard to handling premiums. An agent acts in a fiduciary capacity, based upon trust and confidence, when handling the financial affairs of their customers, including the handling of premiums.#24. Which of the following statements about group life is correct?a)The premiums are higher than in an individual policy because there is no medical exam.b)The group sponsor receives a Certificate of Insurance.c)The policy can be converted to an individual term insurance policy.d)The cost of coverage is based on the ratio of men and women in the group. Group life insurance can be converted to an individual whole life, not a term, policy; the group life insurance premiums are usually lower than those of an individual policy; the group sponsor receives a master contract, while the participants receive certificates of insurance. The cost of the coverage is based on the average age of the group and the ratio of men to women.

d)It will likely be higher because the applicant is a substandard risk. Applicants are considered substandard risks because of physical condition, personal or family history of disease, occupation, or dangerous habits. Substandard risks are usually issued a higher premium than standard risks.

When a child connects with a caregiver, how does this help the child?

it helps reduce stress.

What are 2 things needed to qualify for special ed?

low academic status and meeting qualifications for at least 1 of the 13 eligibilities.

What is the difference between SSW and MSW?

temporary or full approval for certifications