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What is the maximum age that a disabled insured worker may receieve social security disability benefits?

65

Which of the following is not mandatory?

Change of occupation

Under the mandatory uniform provision Legal Actions, an insured is prevented from bringing a suit against the insurer to recover on a health policy prior to

60 days after written proof of loss has been submitted

a comprehensive medical expense insurance policy combines which of the following coverages in a single contract

basic hospital and surgical coverage with major medical

Under HIPAA portability, which of the following are NOT protected under required benefits?

groups of one or more

In order for an alumni association to be eligible to purchase group health insurance for its members, all of these statements must be true EXCEPT when the association

has been active for five years minimum

when must an insurer report to the commissioner a listing of individuals who have more than one medicare supplement policy in force

immediately upon recognition

All of the following are abilities of the New Jersey Life and Health Guaranty Association in the event of insurer insolvency EXCEPT

issuing moratoriums on payment (?)

Among people in the same class and life expectancy, which of the following factors can be used to influence premium rates?

occupation

Which statement best describes "agreement" as it relates to contracts?

one part accepts the exact terms of the other party's offer

An applicant for surplus lines authority must do all of the following EXCEPT

possess a certificate of authority in this state

An insured had a heart attack while jogging, but is expected to return to work in approximately 6 weeks. The insured's Disability Income policy will

replace a percentage of his lost income

which of the following relates to disability income insurance

residual beenfit

Insureds have the right to do which of the following if they have NOT received the proper claim forms within 15 days of their notice to the insurer of a covered loss under a major medical policy?

submit on a plain sheet of paper

An insurer can decide to not renew an Optionally Renewable policy

on premium due dates

All are features of a health insurance plan purchased on the health insurance marketplace except

dollar limits on essential benefits

Which of the following is incorrect concerning taxation of disability income benefits?

If paid by the individual, the premiums are tax dedcutible

To guarantee future dividends is considered

misrepresentation

The guaranteed purchase option is also referred to as the

future increase option

under what mandatory uniform provision Proof of losss, the claimant must submit proof of loss within what time period after the loss

90 days

a limited health insurance policy that will pay a lump sump to an insured diagnosed with a heart attack, stroke, or renal failure is known as

critical illness insurance

What is the purpose of the impairment rider in a health insurance policy

to exclude coverage for a specific impairment


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