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NEW QUESTION 32
Which of the following Long Term Disability clauses states that insureds are considered totally disabled when they CANNOT perform the major duties of a gainful occupation for which they are reasonably suited because of education, training, or experience?

NEW QUESTION 33
What information must be included in the statement accompanying an insurance claim payment made by an insurer?

NEW QUESTION 34
Under the Affordable Care Act, insurers MUST offer plans within health insurance exchanges that meet distinct levels of coverage. What metal tier is REQUIRED to have an actuarial value of 70% with covered individuals paying 30% through deductibles, co-pays, and other cost sharing features?

NEW QUESTION 35
Individuals who are eligible for Medicare on the first day of the month in which they turn age 65 are automatically enrolled in

NEW QUESTION 36
In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?

NEW QUESTION 37
Which of the following statements is TRUE concerning classification of risks?

NEW QUESTION 38
Long-term care policies MUST cover which of the following conditions?

NEW QUESTION 39
Which approach considers the future needs of the survivors in determining amounts of life insurance?

NEW QUESTION 40
Which of the following is NOT an Essential Health Benefit Category under the Affordable Care Act?

NEW QUESTION 41
According to Health Insurance Portability and Accountability Act (HIPAA), when can a group health policy renewal be denied?

NEW QUESTION 42
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?

NEW QUESTION 43
Which of the following is described when a selected group of practitioners, in a certain area, agrees to provide services at a pre-arranged cost on a fee-for-service basis?

NEW QUESTION 44
In reference to life insurance in contract law, a person MOST likely will have an insurable interest in insuring a person ‘ s life if

NEW QUESTION 45
On or after January 1, 2014, employers with no more than 25 full time equivalent employees (FTEs) with average annual wages of less than $50,000 may be eligible for a tax credit of up to how much of the premiums paid by the employer?

NEW QUESTION 46
HICs usually structure copayments to discourage:

NEW QUESTION 47
When MUST a newborn child be covered under an existing health insurance policy?

NEW QUESTION 48
According to the Affordable Care Act, a child can remain on a parent ‘ s health benefit plan until the child

NEW QUESTION 49
With regard to Disability Insurance, the waiting period is to

NEW QUESTION 50
If an annuitant dies during the accumulation period, his or her beneficiary will receive

NEW QUESTION 51
Under the Affordable Care Act, insurer may refuse to accept an internal appeal on a denied claim if

NEW QUESTION 52
An insured individual who has been diagnosed with osteoporosis needs therapy in her home. Which type of long-term care benefit would be MOST appropriate for her?

NEW QUESTION 53
With the majority of companies, within how many days does the free-look provision allow the insured the right to return the life insurance policy for full premium?

NEW QUESTION 54
An annuity product linked to a market-related rate of return is called