Aflac Final exam incorrect questions 3
A couple buying a 7 year LTC policies decides to purchase shared care policies. The husband later gets sick and uses the 3 years of LTC benefits before dying. How much LTC is left for the wife
11 years
All of the following qualify for Medicare Part A EXCEPT
Anyone who is willing to pay a premium
Which of the following is true regarding inpatient hospital care for HMO members
Care can be provided outside of the service area
All of the following may be excluded from coverage in a Major Medical Expense policy except
Emergency surgery
An insured makes regular contributions to his HSA. How are those contributions treated in regards to taxation.
They are tax dedictible
What is the shortest possible elimination period for group short term disability benefits provided by an employer
0 days
Under the New York State disability Benefit law, no employee may be entitled to benefits for more than how many weeks after 52 consecutive calendar weeks or during any one period of disability
26 weeks
How long after the date of issue may an insurer cancel an accident and health policy
90 days
Which of the following is the term for the specific dollar amount that must be paid by an HMO member for a service
Copayment
An insured in an accident that renders him deaf. The insured is still able to perform his current job. To what extent will he receive Presumptive Disability benefits
Full Benefits
Which benefits would a disability plan most likely pay
Income lost by the insureds inability to work
Which statement regarding insurable risks is NOT correct
Insurered cannot be randomly selected
Which of the following is an eligibility requirement for all Social Security Disability Income benefits
have attained fully insured status
Which of the following is true regarding health insurance
it could provide payments for loss of income
An insured is involved in a car accident. In addition to general, less serious injuries, he permantely loses the use of his leg and is rendered completely blind. The blindness improves a month later. To what extent will he receive Presumptive Disability benefits
no benefits
Who might receive dividends from a mutual insurer
policyholders
In case of a loss, the indemnity provision in insurance policies
restores an insured person to the same financial state as before the loss
Federal law makes it illegal for any individual convicted of a crime involving dishonesty or breach of trust to work in the business of insurance affecting interstate commerce
without receiving written consent from an insurance regulatory authority
