ILLINOIS HEALTH INSURANCE UPDATED 2026
EXAMINERS QUESTIONS AND ANSWERS SURE A+
✔✔What is the main difference between a HMO and PPO? - ✔✔Service area
✔✔What is the deductible? - ✔✔A set amount that must be paid by the patient for each
benefit period before the insurer will cover additional expenses.
✔✔Co-insurance? - ✔✔Split between you and your insurer
✔✔What is excluded when it comes to dental plans? - ✔✔Purely cosmetic services
Replacement of prosthetic
Duplicate dentures or prosthetics
✔✔How much of your NET INCOME can you ensure? - ✔✔80%
✔✔probationary period - ✔✔Period where preexisting conditions are not covered
✔✔Elimination Period - ✔✔time deductible
✔✔What can you NOT do while waiting on your disability benefits? - ✔✔Work at ALL
(STRICTLY DISABLED)
, ✔✔What is the benefit period when related to disability? - ✔✔It starts after the
elimination period and continues for a specific written number of years
✔✔How long must you be disabled to collect benefits? - ✔✔5 months
✔✔When do you receive your first disability check after being disabled? - ✔✔Atleast the
1st of the 6th month calendar month since you've been disabled
✔✔When is group disability taxable? - ✔✔If your employer ever pays any of your
premium
✔✔How long do you have to work before you are considered fully insured by social
security? - ✔✔40 quarters (10 years)
✔✔What is necessary for you to collect social security? - ✔✔You must be fully disabled
from ANY occupation
✔✔Is the business overhead expense taxed? - ✔✔Yes
✔✔What is your benefit amount based on? - ✔✔Your primary insurance Amount
✔✔What do you receive instead of disability once you turn 65? - ✔✔Social security
✔✔What does a occupational plan cover? - ✔✔Covers disability either on or off the job
✔✔What does nonoccupational disability coverage do? - ✔✔only covers claims that
result from accidents or sicknesses occurring off the job
✔✔Most group insurance is what? - ✔✔Non occupational
✔✔in order to receive total benefits what must be true? - ✔✔One cannot perform any of
his/her job duties
✔✔What is an own occupation plan? - ✔✔You can receive benefits for up to 2 years
then it switches to any occupation
✔✔Is social security public or private? - ✔✔Public
✔✔Any occupation is strict to what? - ✔✔Social security
✔✔What are the public types of disability plans? - ✔✔Any occupation
Own occupation
Non occupational
Occupational
EXAMINERS QUESTIONS AND ANSWERS SURE A+
✔✔What is the main difference between a HMO and PPO? - ✔✔Service area
✔✔What is the deductible? - ✔✔A set amount that must be paid by the patient for each
benefit period before the insurer will cover additional expenses.
✔✔Co-insurance? - ✔✔Split between you and your insurer
✔✔What is excluded when it comes to dental plans? - ✔✔Purely cosmetic services
Replacement of prosthetic
Duplicate dentures or prosthetics
✔✔How much of your NET INCOME can you ensure? - ✔✔80%
✔✔probationary period - ✔✔Period where preexisting conditions are not covered
✔✔Elimination Period - ✔✔time deductible
✔✔What can you NOT do while waiting on your disability benefits? - ✔✔Work at ALL
(STRICTLY DISABLED)
, ✔✔What is the benefit period when related to disability? - ✔✔It starts after the
elimination period and continues for a specific written number of years
✔✔How long must you be disabled to collect benefits? - ✔✔5 months
✔✔When do you receive your first disability check after being disabled? - ✔✔Atleast the
1st of the 6th month calendar month since you've been disabled
✔✔When is group disability taxable? - ✔✔If your employer ever pays any of your
premium
✔✔How long do you have to work before you are considered fully insured by social
security? - ✔✔40 quarters (10 years)
✔✔What is necessary for you to collect social security? - ✔✔You must be fully disabled
from ANY occupation
✔✔Is the business overhead expense taxed? - ✔✔Yes
✔✔What is your benefit amount based on? - ✔✔Your primary insurance Amount
✔✔What do you receive instead of disability once you turn 65? - ✔✔Social security
✔✔What does a occupational plan cover? - ✔✔Covers disability either on or off the job
✔✔What does nonoccupational disability coverage do? - ✔✔only covers claims that
result from accidents or sicknesses occurring off the job
✔✔Most group insurance is what? - ✔✔Non occupational
✔✔in order to receive total benefits what must be true? - ✔✔One cannot perform any of
his/her job duties
✔✔What is an own occupation plan? - ✔✔You can receive benefits for up to 2 years
then it switches to any occupation
✔✔Is social security public or private? - ✔✔Public
✔✔Any occupation is strict to what? - ✔✔Social security
✔✔What are the public types of disability plans? - ✔✔Any occupation
Own occupation
Non occupational
Occupational
