Accident-and-Health-or-Sickness-Producer Practice Questions

A.  

Continued insurability

B.  

Incapacity only

C.  

Incapacity and dependency upon reaching the age limit

D.  

Dependency for the first two years of continued coverage only

A.  

Commercial airline crashes

B.  

Injuries occurring in the home

C.  

Automobile accidents

D.  

Military service

A.  

Members of the association are usually in the same industry

B.  

Such associations are formed for the purpose of purchasing insurance

C.  

The association membership primarily consists of large employers

D.  

Employer contributions are usually waived

A.  

Low-income residents of Maryland

B.  

Senior citizens residing in Maryland

C.  

Medically uninsurable Maryland residents

D.  

Children of low-income Maryland residents

A.  

The disability benefit period

B.  

The elimination period

C.  

The grace period

D.  

The time limit on certain defenses

A.  

Usually provides benefits expressed as a percentage of the insured’s normal weekly wage, up to a specified weekly maximum

B.  

Usually coordinates the amount of benefits paid with disability benefits received under Social Security

C.  

Often has a benefit period extending up to a maximum of ten years

D.  

Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled

A.  

No, because of privacy considerations

B.  

Yes, because of the powers defined by state laws

C.  

No, because only an officer of the court can inspect these records

D.  

Yes, because all company and agency records are public domain