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