NJ HEALTH AND ACCIDENT INSURANCE
ACTUAL 2026 COMPLETE LICENSING EXAM
PREPARATION AND PRACTICE TEST
◉ Permanent partial disability would be covered by.
Answer: residual disability
◉ An agent discussing disability income coverage with an individual
who has recently finished college and started with an entry level job.
What rider should the agent recommend for the client?.
Answer: Guaranteed insurability rider
Allows you to purchase additional disability income insurance in the
future without having to prove insurability
◉ Example of a presumptive disability.
Answer: Nancy was completely blinded and will not recover her
sight
◉ Presumptive (catastrophic) disability.
Answer: -often written with a disability policy
,-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 differ?.
Answer: -Whether or not coverage is provided in addition to
Worker's Comp
-The length of the elimination period
-How "Total Disability" is defined
◉ An individual who has had a heart murmur since birth is likely to
be issued a policy that includes.
Answer: An impairment rider
◉ Impairment rider (exclusion rider).
Answer: Takes away coverage for a specified medical condition
(diabetes or epilepsy)
◉ Before Mr. Jones was disabled, he 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.
Answer: partially disabled
◉ What is the purpose of the elimination period?.
Answer: It specifies the number of days between which disability
benefits will be paid
◉ Under NJ minimum standards for individual health insurance
policies, a probationary period for "sickness" may not exceed.
Answer: 30 days
◉ Recurrent disability.
Answer: 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.
Answer: -daily hospital room & board
-miscellaneous hospital services
-Hospital outpatient services
◉ Basic Medical Surgical covers.
Answer: -surgical expenses
ACTUAL 2026 COMPLETE LICENSING EXAM
PREPARATION AND PRACTICE TEST
◉ Permanent partial disability would be covered by.
Answer: residual disability
◉ An agent discussing disability income coverage with an individual
who has recently finished college and started with an entry level job.
What rider should the agent recommend for the client?.
Answer: Guaranteed insurability rider
Allows you to purchase additional disability income insurance in the
future without having to prove insurability
◉ Example of a presumptive disability.
Answer: Nancy was completely blinded and will not recover her
sight
◉ Presumptive (catastrophic) disability.
Answer: -often written with a disability policy
,-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 differ?.
Answer: -Whether or not coverage is provided in addition to
Worker's Comp
-The length of the elimination period
-How "Total Disability" is defined
◉ An individual who has had a heart murmur since birth is likely to
be issued a policy that includes.
Answer: An impairment rider
◉ Impairment rider (exclusion rider).
Answer: Takes away coverage for a specified medical condition
(diabetes or epilepsy)
◉ Before Mr. Jones was disabled, he 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.
Answer: partially disabled
◉ What is the purpose of the elimination period?.
Answer: It specifies the number of days between which disability
benefits will be paid
◉ Under NJ minimum standards for individual health insurance
policies, a probationary period for "sickness" may not exceed.
Answer: 30 days
◉ Recurrent disability.
Answer: 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.
Answer: -daily hospital room & board
-miscellaneous hospital services
-Hospital outpatient services
◉ Basic Medical Surgical covers.
Answer: -surgical expenses
