NJ Health Insurance Exam Questions and
Answers with Verified Solutions | Latest
Updated 2026
Total disability definition can vary among policies and companies
Permanent partial disability would residual disability
be covered by
An agent discussing disability Guaranteed insurability rider
income coverage with an Allows you to purchase additional disability
individual who has recently income insurance in the future without
finished college and started with having
an entry level job. What rider to prove insurability
should the agent recommend for
the client?
Example of a presumptive Nancy was completely blinded and will not
disability recover her sight
Presumptive (catastrophic) -often written with a disability policy
disability -disability of the insured will be presumed
to
be Total & Permanent upon loss of sight,
loss of
the use of 2+ limbs, loss of hearing, loss of
speech
,How do Disability Income policies -Whether or not coverage is provided in
differ? addition to Worker's Comp
-The length of the elimination period
-How "Total Disability" is defined
An individual who has had a heart An impairment rider
murmur since birth is likely to be
issued a policy that includes
Impairment rider (exclusion rider) Takes away coverage for a specified
medical
condition (diabetes or epilepsy)
Before Mr. Jones was disabled, he partially disabled
was a full-time engineer earning
about $70,000 annually. Now, two
years later he is able to work part-
time, earning about $25,000
annually.
It is Likely that Mr. Jones is
classified as
What is the purpose of the It specifies the number of days between
elimination period? which
disability benefits will be paid
Under NJ minimum standards for 30 days
individual health insurance
policies, a probationary period for
"sickness" may not exceed
, Recurrent disability recurs due to the same benefit or related
cause
of loss within 6 months of the back to work
date, no elimination period upon
recurrence
Basic Hospital Plan covers -daily hospital room & board
-miscellaneous hospital services
-Hospital outpatient services
Basic Medical Surgical covers -surgical expenses
-anesthesia services
-In hospital physician services
Basic medical plan -Minimal benefits
-No deductible
When a health insurance plan the insured
operates on a reimbursement
basis, benefits are paid to
Physician's expenses for Major Medical
nonsurgical care rendered in the
hospital and for visits to a
physician's office would be
covered under
Answers with Verified Solutions | Latest
Updated 2026
Total disability definition can vary among policies and companies
Permanent partial disability would residual disability
be covered by
An agent discussing disability Guaranteed insurability rider
income coverage with an Allows you to purchase additional disability
individual who has recently income insurance in the future without
finished college and started with having
an entry level job. What rider to prove insurability
should the agent recommend for
the client?
Example of a presumptive Nancy was completely blinded and will not
disability recover her sight
Presumptive (catastrophic) -often written with a disability policy
disability -disability of the insured will be presumed
to
be Total & Permanent upon loss of sight,
loss of
the use of 2+ limbs, loss of hearing, loss of
speech
,How do Disability Income policies -Whether or not coverage is provided in
differ? addition to Worker's Comp
-The length of the elimination period
-How "Total Disability" is defined
An individual who has had a heart An impairment rider
murmur since birth is likely to be
issued a policy that includes
Impairment rider (exclusion rider) Takes away coverage for a specified
medical
condition (diabetes or epilepsy)
Before Mr. Jones was disabled, he partially disabled
was a full-time engineer earning
about $70,000 annually. Now, two
years later he is able to work part-
time, earning about $25,000
annually.
It is Likely that Mr. Jones is
classified as
What is the purpose of the It specifies the number of days between
elimination period? which
disability benefits will be paid
Under NJ minimum standards for 30 days
individual health insurance
policies, a probationary period for
"sickness" may not exceed
, Recurrent disability recurs due to the same benefit or related
cause
of loss within 6 months of the back to work
date, no elimination period upon
recurrence
Basic Hospital Plan covers -daily hospital room & board
-miscellaneous hospital services
-Hospital outpatient services
Basic Medical Surgical covers -surgical expenses
-anesthesia services
-In hospital physician services
Basic medical plan -Minimal benefits
-No deductible
When a health insurance plan the insured
operates on a reimbursement
basis, benefits are paid to
Physician's expenses for Major Medical
nonsurgical care rendered in the
hospital and for visits to a
physician's office would be
covered under
