ILHI Indiana Life and Health Insurance Exam - Set 5 - Part 3

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 41: An insured with a ninety-day recurrent provision returns to work in February after a back injury. The same back condition disables him again in April. His policy has a thirty-day elimination period. Which statement describes what happens with his benefits?

Benefits resume with no new waiting

A new elimination period must pass

Benefits are permanently ended

The claim becomes a partial disability

Question 42: A married twenty-four-year-old graduate lives on her own, works full time, is not financially dependent on her parents, and could enroll in her own employer's plan. She asks to stay on her father's health coverage. Which statement describes her eligibility as a dependent child?

Marriage alone ends her dependent eligibility

Employer plan access ends her eligibility immediately

She may remain covered until age twenty-six

Financial independence disqualifies her from the plan

Question 43: An insured loses total and permanent sight in both eyes. His disability income policy pays the full benefit at once, without asking whether he is still able to work at his job. Which policy feature produced that immediate result?

Presumptive disability provision

Partial disability benefit

Recurrent disability provision

Waiver of premium rider

Question 44: Two married parents each carry family coverage through separate employers, and their son needs surgery. The father was born in March and the mother in September, though the father is the younger parent. Which plan provides primary coverage for the son?

The mother's plan, as the older parent

Whichever plan has the larger benefit

Both plans share the claim equally

The father's plan, by earliest birthday

Question 45: An applicant is asked on the application how often she wants premium notices to arrive: once a year, twice a year, four times a year, or every month. Which contract term describes the choice she is being asked to make?

The grace period

The consideration clause

The premium payment mode

The settlement option

Question 46: An employer pays the entire premium for its workers' group medical expense plan. A covered employee later has surgery and the plan reimburses the hospital bill. Which statement describes the federal income tax treatment of the premium and the benefit?

Premium taxable to employee, benefit tax free

Premium deductible, benefit taxable to employee

Premium nondeductible, benefit taxable to employee

Premium deductible to employer, benefit tax free

Question 47: An insured under a disability income policy dies while accrued benefits remain unpaid. His policy named a primary beneficiary who is still living and a contingent beneficiary. Which statement describes who receives the accrued amount under the payment of claims provision?

Primary and contingent share the amount equally

The primary beneficiary takes the entire amount

The contingent beneficiary takes the entire amount

The estate takes it despite the designations

Question 48: A surgeon buys a disability income policy whose definition treats her as disabled if she cannot perform any or all of the duties of her own medical specialty at the time disability begins. Which definition of total disability does that policy language describe?

Any occupation

Presumptive disability

Own occupation

Residual disability

Question 49: A group health plan pays for annual physical exams, routine health screenings, smoking cessation programs and wellness services that give members access to experts in nutrition and exercise. Which cost containment approach does this particular package of benefits represent?

Concurrent review of hospital stays

Second surgical opinion requirements

Limits on length of stay

Preventive care

Question 50: A group disability plan states that it pays benefits only when the illness or injury causing the disability arose away from the job, because another system already covers workplace injuries and illnesses. Which label correctly describes that plan design?

Non-occupational coverage

Occupational coverage

Presumptive coverage

Residual coverage

Congratulations!

You have completed all 5 question sets. Good job!

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