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Question 1 of 10
1. Question
Which one of the following statements is not correct about partial disability?
Correct
Many forms of sickness do not result in total disability. “Sickness disability is more likely than an accident disability to be partial”-this statement is not correct about partial disability.
Incorrect
Many forms of sickness do not result in total disability. “Sickness disability is more likely than an accident disability to be partial”-this statement is not correct about partial disability.
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Question 2 of 10
2. Question
Brandy injures her back, working at a warehouse. Six months later, she is well enough to go back to work lifting boxes. Two weeks into working, however, she strains her back again and has to go back on bed rest. This is an example of a
Correct
When a disabling injury is related to an earlier injury, it is an example of a recurrent disability. Brandy’s case is an example of a recurrent disability.
Incorrect
When a disabling injury is related to an earlier injury, it is an example of a recurrent disability. Brandy’s case is an example of a recurrent disability.
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Question 3 of 10
3. Question
Grace is helping a friend move her pool table when she strains her back, causing a disability. The insurer declines coverage, saying the injury was not accidental under the terms of Grace’s policy. Grace’s policy must include
Correct
This is an example of an accidental means definition of disability. Grace’s policy must include an accidental means definition of accidental.
Incorrect
This is an example of an accidental means definition of disability. Grace’s policy must include an accidental means definition of accidental.
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Question 4 of 10
4. Question
Which statement is incorrect regarding the future increase option rider?
Correct
An increase in the amount of benefits must be warranted by an increase in the insured’s income. Option B is an incorrect statement.
Incorrect
An increase in the amount of benefits must be warranted by an increase in the insured’s income. Option B is an incorrect statement.
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Question 5 of 10
5. Question
Which one of the following statements is correct regarding social security disability benefits?
Correct
Benefits are provided only if the individual is prevented from performing any gainful work. For security disability benefits to be paid, the disability must prevent the individual from performing any substantial gainful work in the national economy.
Incorrect
Benefits are provided only if the individual is prevented from performing any gainful work. For security disability benefits to be paid, the disability must prevent the individual from performing any substantial gainful work in the national economy.
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Question 6 of 10
6. Question
The benefit that pays the general total disability benefit in the elimination period while the insured is hospitalized is called the
Correct
This is an example of a hospital confinement rider. The benefit that pays the general total disability benefit in the elimination period while the insured is hospitalized is called the hospital confinement rider.
Incorrect
This is an example of a hospital confinement rider. The benefit that pays the general total disability benefit in the elimination period while the insured is hospitalized is called the hospital confinement rider.
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Question 7 of 10
7. Question
Jenifer falls and breaks her leg, incurring $1000 in medical expenses. Her policy pays the entire amount. Jenifer has a
Correct
This is an example of first-dollar coverage. As her policy pays the entire amount, so Jenifer has a policy with first-dollar coverage.
Incorrect
This is an example of first-dollar coverage. As her policy pays the entire amount, so Jenifer has a policy with first-dollar coverage.
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Question 8 of 10
8. Question
A combination of major medical expense coverage and basic medical expense coverage is
Correct
This is an example of supplemental major medical coverage. A combination of major medical expense coverage and basic medical expense coverage is a supplemental medical expense policy.
Incorrect
This is an example of supplemental major medical coverage. A combination of major medical expense coverage and basic medical expense coverage is a supplemental medical expense policy.
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Question 9 of 10
9. Question
A policy that covers doctor visits when the insured is in the hospital is
Correct
This is an example of a basic medical expense coverage. The policy that covers doctor visits while the insured is in the hospital is a basic medical expense policy.
Incorrect
This is an example of a basic medical expense coverage. The policy that covers doctor visits while the insured is in the hospital is a basic medical expense policy.
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Question 10 of 10
10. Question
What does a hospice do?
Correct
A hospice alleviates pain and suffering among terminally ill patients until their death but does not attempt to cure them. This is an example of a hospice environment.
Incorrect
A hospice alleviates pain and suffering among terminally ill patients until their death but does not attempt to cure them. This is an example of a hospice environment.