PLAHI Pennsylvania Life Accident 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: A Pennsylvania family caring for an aging parent at home wants a benefit that pays for professionals to take over for a few days so the family caregiver can rest. Which of the following benefits meets that need?
Question 42: One Pennsylvania long-term care policy pays a stated dollar amount for each day of covered care regardless of the bill. Another pays the actual charge or a stated daily maximum, whichever is less. Which of the following names them?
Question 43: A Pennsylvania long-term care policyholder qualifies for benefits under her contract, but the insurer pays nothing until a stated number of days of covered care have passed. Which of the following describes that feature and its effect on premium?
Question 44: A Pennsylvania long-term care policy lists a number of conditions and situations for which it will pay no benefits at all. Which of the following correctly identifies a condition that these policies typically exclude and one they typically cover?
Question 45: A Pennsylvania buyer wants a long-term care policy whose benefits will be received free of federal income tax when she eventually needs care. Which of the following benefit triggers must a tax-qualified contract use to obtain that treatment?
Question 46: A Pennsylvania applicant receives an individual long-term care policy and finds a prominent notice on the first page describing her right to return it for a refund. Which of the following states the period the Commonwealth requires for that return?
Question 47: A Pennsylvania long-term care insurer wants to guard against a policy lapsing because a cognitively impaired insured simply forgot to pay the premium. Which of the following does the Commonwealth require the insurer to obtain before issuing the policy?
Question 48: A Pennsylvania long-term care applicant is presented with an inflation protection option that increases her benefits automatically each year, and she must sign a statement if she wants to decline it. Which of the following describes that required offer?
Question 49: A Pennsylvania long-term care policy sets the standard an insured must meet before any benefits begin. Which of the following states the most restrictive activity of daily living trigger the Commonwealth permits, and the alternative that also qualifies?
Question 50: A Pennsylvania buyer is told that every dollar her long-term care policy pays in benefits lets her keep a dollar in assets that Medicaid would otherwise require her to spend down. Which of the following programs provides that protection?
Struggling With Exams?
Less Time Studying, More Time Living – Finish Your Degree Faster! Pay-After-you-Pass!
Get Exam Support