Pennsylvania Laws and Rules Insurance Exam

In Pennsylvania, the definition of total disability changes from one's "own occupation" to "any occupation" by reason of one's education, training, and experience after what time period? 6 months 9 months 12 months 24 months

24 months

In Pennsylvania, the Time Limit of Defenses provision provides that no misstatements (EXCEPT fraud) made by the applicant on a health insurance application can be used to void the policy or deny coverage after the expiration of

3 years

A licensed Producer must report any administrative action taken against the licensee in another jurisdiction or by another agency department in Pennsylvania within how many days of the final disposition?

30 days

In Pennsylvania, an employee must request spousal coverage under group sponsored accident and health plan within ___ days of marriage?

60 days

If a health insurance claim is not promptly paid, legal action may be taken against the insurer after

60 days from the date of loss is furnished

In Pennsylvania, HIPPA laws require that an individual's prior creditable coverage may reduce the maximum pre-existing condition exclusion period that a new group health plan can apply. This rule is applicable as ling as there has been no gap in creditable coverage for a period greater than? 30 days 60 days 63 days 90 days

63 days

What is the difference between a long term care partnership plan an a non partnership plan?

Asset protection

According to Pennsylvania law, which of the following is NOT considered to be personally identifiable financial information?

Blind trust data that does include names and addresses

Proceeds of the viatical settlement contract could be subject to the claims of

Creditors

What is required before an insurance producer can act as a representative of an insurer?

Producer needs to be appointed by that insurer

The branch of dentistry which deals with the replacement of missing parts is called? Endodontics Periodontics Orthodontics Prosthodontics

Prosthodontics

All statements in an insurance application, in the absence of fraud are considered?

Representations

An example of endodontic treatment is a? Bridge Crown Filing Root Canal

Root Canal

When soliciting insurance a producer cannot

emphasize Guaranty Association benefits

Commissions may be shared by

licensed and appointed Producers

If a Medicare Supplement policy replaces another that had been in effect for at least 6 months, the replacing policy may impose which of the following time exclusions for pre-existing conditions?

0 months