Wisconsin Accident and Health Insurance
Exam Questions and Answers
Question 1
An insured covered under a Disability Income policy is disabled and collecting
benefits for a period of two months. He returns to work and is again disabled from
the same cause, whereupon benefits continue to be paid. This is an example of which
of the following?
Presumptive disability.
Concurrent disability.
Residual disability.
Recurrent Disability.
Correct Answer
Recurrent Disability.
Question 2
Typically, working individuals age 65 or over must be
Offered the same health benefits as the younger employees.
Covered by Medicare exclusively.
Paying a higher premium than younger employees.
Covered by a Medicare supplement policy
Correct Answer
Offered the same health benefits as the younger employees.
Page 1 of 77
,Question 3
Laura is a new employee and will be obtaining non-contributory group Major Medical
insurance from her employer. Which of the following actions must she take during the
open enrollment period?
Authorize for payroll deductions.
Agree to a physical examination.
Sign an enrollment card.
Register with her state of residency.
Correct Answer
Sign an enrollment card.
Question 4
Group accident and health insurance may be offered by an insurer when the
sponsoring group
Was formed to purchase insurance.
Provides individual evidence of insurability of its group members.
Provides an employer-employee relationship.
Consists of unrelated members.
Correct Answer
Provides an employer-employee relationship.
Question 5
According to HIPAA regulations, which of the following may reduce a medical plan's
pre-existing conditions exclusion?
An improvement in health over the previous three months
Any period of prior coverage
Any period of treatment in the twelve months prior to enrollment
Passing a physical examination
Correct Answer
Any period of prior coverage
Page 2 of 77
,Question 6
Typically, states will permit the grouping of two or more small employers in the same
industry for obtaining group health insurance at a favorable rate. This grouping of
employers is known as a multiple employer
Welfare association.
Trust.
Consortium.
Alliance.
Correct Answer
Trust.
Question 7
an insurance company's failure to enforce a contract's provision is called a(n)
Waiver
Warranty
Assignment
Concealment
Correct Answer
Waiver
Question 8
Pete is covered by a group health insurance plan which covers employees in multiple
states. This plan is governed by the laws of which state?
Where the certificate of coverage was mailed to
Where most of the employees reside
Where the master contract was issued
Where the insurer's home office is located
Correct Answer
Where the master contract was issued
Page 3 of 77
, Question 9
Which of the following statements BEST describes a double indemnity provision in
travel accident insurance?
Benefits are doubled under certain circumstances stated in the policy
If the claim is disputed in court and the insurer loses, the face amount will be doubled
Benefits cover two people when traveling
Accidents and illnesses are covered while the insured is travelling
Correct Answer
Benefits are doubled under certain circumstances stated in the policy
Question 10
A comprehensive group policy also covers expenses related to vision care. Which of
the following is not typically covered under a vision plan?
Cataract Surgery.
Routine eye exam.
Corrective vision glasses.
Corrective contact lenses.
Correct Answer
Cataract Surgery.
Question 11
Who is the insured under a credit disability policy?
The creditor
The debtor
The debtor's beneficiary
A third-party trustee
Correct Answer
The debtor
Page 4 of 77
Exam Questions and Answers
Question 1
An insured covered under a Disability Income policy is disabled and collecting
benefits for a period of two months. He returns to work and is again disabled from
the same cause, whereupon benefits continue to be paid. This is an example of which
of the following?
Presumptive disability.
Concurrent disability.
Residual disability.
Recurrent Disability.
Correct Answer
Recurrent Disability.
Question 2
Typically, working individuals age 65 or over must be
Offered the same health benefits as the younger employees.
Covered by Medicare exclusively.
Paying a higher premium than younger employees.
Covered by a Medicare supplement policy
Correct Answer
Offered the same health benefits as the younger employees.
Page 1 of 77
,Question 3
Laura is a new employee and will be obtaining non-contributory group Major Medical
insurance from her employer. Which of the following actions must she take during the
open enrollment period?
Authorize for payroll deductions.
Agree to a physical examination.
Sign an enrollment card.
Register with her state of residency.
Correct Answer
Sign an enrollment card.
Question 4
Group accident and health insurance may be offered by an insurer when the
sponsoring group
Was formed to purchase insurance.
Provides individual evidence of insurability of its group members.
Provides an employer-employee relationship.
Consists of unrelated members.
Correct Answer
Provides an employer-employee relationship.
Question 5
According to HIPAA regulations, which of the following may reduce a medical plan's
pre-existing conditions exclusion?
An improvement in health over the previous three months
Any period of prior coverage
Any period of treatment in the twelve months prior to enrollment
Passing a physical examination
Correct Answer
Any period of prior coverage
Page 2 of 77
,Question 6
Typically, states will permit the grouping of two or more small employers in the same
industry for obtaining group health insurance at a favorable rate. This grouping of
employers is known as a multiple employer
Welfare association.
Trust.
Consortium.
Alliance.
Correct Answer
Trust.
Question 7
an insurance company's failure to enforce a contract's provision is called a(n)
Waiver
Warranty
Assignment
Concealment
Correct Answer
Waiver
Question 8
Pete is covered by a group health insurance plan which covers employees in multiple
states. This plan is governed by the laws of which state?
Where the certificate of coverage was mailed to
Where most of the employees reside
Where the master contract was issued
Where the insurer's home office is located
Correct Answer
Where the master contract was issued
Page 3 of 77
, Question 9
Which of the following statements BEST describes a double indemnity provision in
travel accident insurance?
Benefits are doubled under certain circumstances stated in the policy
If the claim is disputed in court and the insurer loses, the face amount will be doubled
Benefits cover two people when traveling
Accidents and illnesses are covered while the insured is travelling
Correct Answer
Benefits are doubled under certain circumstances stated in the policy
Question 10
A comprehensive group policy also covers expenses related to vision care. Which of
the following is not typically covered under a vision plan?
Cataract Surgery.
Routine eye exam.
Corrective vision glasses.
Corrective contact lenses.
Correct Answer
Cataract Surgery.
Question 11
Who is the insured under a credit disability policy?
The creditor
The debtor
The debtor's beneficiary
A third-party trustee
Correct Answer
The debtor
Page 4 of 77
