2024 NJ ACCIDENT AND HEALTH
FINAL EXAM WITH CORRECT
ANSWERS
The Commissioner must approve - CORRECT-ANSWERSContinuing education
courses
Employer sponsored group health insurance provides coverage for which of
the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - CORRECT-ANSWERSalcoholism
According to HIPAA, when an insured individual leaves an employer and
immediately begins working for a new company that offers group health
insurance, the individual - CORRECT-ANSWERSIs eligible for coverage upon
hire
An insurer must furnish to a claimant forms for filing proof of loss within ___
days upon receiving a notice of claim. - CORRECT-ANSWERS15 days
Which of the following is MANDATORY coverage for all group health care
service contracts? - CORRECT-ANSWERSTreatment for alcoholism
A health insurance policy that allows an insurer to change the policy owner's
premiums, but NOT cancel the policy is called a(n) - CORRECT-
ANSWERSGuaranteed renewable policy
The name of the insurance companies represented by the producer -
CORRECT-ANSWERSis available to the public
Which of the following does Coordination of Benefits allow?
-Allows the secondary payor to reduce their benefit payments so no more
than 100% of the claim is paid
-Allows both a group health plan and individual health plan to coordinate
their benefit payments
-Allows the deductible to be spread out between all the health providers
, -Allows each health provider to pay 100% of the claim - CORRECT-
ANSWERSAllows the secondary payor to reduce their benefit payments so no
more than 100% of the claim is paid
All of the following are included as part of a contract in the entire contract
provision EXCEPT the
riders
application
changes made by the producer
policy - CORRECT-ANSWERSchanges made by the producer
Insurable interest does NOT occur in which of the following relationships?
sister/brother
parent/child
business partners
business owner and business client - CORRECT-ANSWERSbusiness owner and
business client
Within how many days must a producer notify the Department of Baking and
Insurance of a change of address? - CORRECT-ANSWERS30
Under the NJ continuance of benefits law, notice to extend coverage is
required within how many days of a qualifying event? - CORRECT-
ANSWERS30
Health insurance advertisements that mention statistical information are
required by NJ law to - CORRECT-ANSWERSaccurately convey all pertinent
facts
What type of injury would NOT be covered under a health insurance policy?
Work related
accidental
Sports related
recreational - CORRECT-ANSWERSWork related
NJ Insurance law requires eligible individuals to make an election to continue
health insurance benefits within a MAXIMUM of ___ days after coverage
termination - CORRECT-ANSWERS60
The NJ temporary disability benefits law - CORRECT-ANSWERSprovides non-
occupational disability benefits
FINAL EXAM WITH CORRECT
ANSWERS
The Commissioner must approve - CORRECT-ANSWERSContinuing education
courses
Employer sponsored group health insurance provides coverage for which of
the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - CORRECT-ANSWERSalcoholism
According to HIPAA, when an insured individual leaves an employer and
immediately begins working for a new company that offers group health
insurance, the individual - CORRECT-ANSWERSIs eligible for coverage upon
hire
An insurer must furnish to a claimant forms for filing proof of loss within ___
days upon receiving a notice of claim. - CORRECT-ANSWERS15 days
Which of the following is MANDATORY coverage for all group health care
service contracts? - CORRECT-ANSWERSTreatment for alcoholism
A health insurance policy that allows an insurer to change the policy owner's
premiums, but NOT cancel the policy is called a(n) - CORRECT-
ANSWERSGuaranteed renewable policy
The name of the insurance companies represented by the producer -
CORRECT-ANSWERSis available to the public
Which of the following does Coordination of Benefits allow?
-Allows the secondary payor to reduce their benefit payments so no more
than 100% of the claim is paid
-Allows both a group health plan and individual health plan to coordinate
their benefit payments
-Allows the deductible to be spread out between all the health providers
, -Allows each health provider to pay 100% of the claim - CORRECT-
ANSWERSAllows the secondary payor to reduce their benefit payments so no
more than 100% of the claim is paid
All of the following are included as part of a contract in the entire contract
provision EXCEPT the
riders
application
changes made by the producer
policy - CORRECT-ANSWERSchanges made by the producer
Insurable interest does NOT occur in which of the following relationships?
sister/brother
parent/child
business partners
business owner and business client - CORRECT-ANSWERSbusiness owner and
business client
Within how many days must a producer notify the Department of Baking and
Insurance of a change of address? - CORRECT-ANSWERS30
Under the NJ continuance of benefits law, notice to extend coverage is
required within how many days of a qualifying event? - CORRECT-
ANSWERS30
Health insurance advertisements that mention statistical information are
required by NJ law to - CORRECT-ANSWERSaccurately convey all pertinent
facts
What type of injury would NOT be covered under a health insurance policy?
Work related
accidental
Sports related
recreational - CORRECT-ANSWERSWork related
NJ Insurance law requires eligible individuals to make an election to continue
health insurance benefits within a MAXIMUM of ___ days after coverage
termination - CORRECT-ANSWERS60
The NJ temporary disability benefits law - CORRECT-ANSWERSprovides non-
occupational disability benefits
