NJ HEALTH INSURANCE EXAM QUESTIONS AND
ANSWERS 2025 LATEST UPDATE
Totalwdisabilitywdefinitionwcanw-wcorrectwanswer-varywamongwpolicieswandwcompanies
Permanentwpartialwdisabilitywwouldwbewcoveredwbyw-wcorrectwanswer-residualwdisability
Anwagentwdiscussingwdisabilitywincomewcoveragewwithwanwindividualwwhowhaswrecentlywfinishedwcollegewan
dwstartedwwithwanwentrywlevelwjob.wWhatwriderwshouldwthewagentwrecommendwforwthewclient?w-
wcorrectwanswer-Guaranteedwinsurabilitywrider
Allowswyouwtowpurchasewadditionalwdisabilitywincomewinsurancewinwthewfuturewwithoutwhavingwtowprovewins
urability
Examplewofwawpresumptivewdisabilityw-wcorrectwanswer-
Nancywwaswcompletelywblindedwandwwillwnotwrecoverwherwsight
Presumptivew(catastrophic)wdisabilityw-wcorrectwanswer--oftenwwrittenwwithwawdisabilitywpolicy
-
disabilitywofwthewinsuredwwillwbewpresumedwtowbewTotalw&wPermanentwuponwlosswofwsight,wlosswofwthewusewo
fw2+wlimbs,wlosswofwhearing,wlosswofwspeech
HowwdowDisabilitywIncomewpolicieswdiffer?w-wcorrectwanswer--
WhetherworwnotwcoveragewiswprovidedwinwadditionwtowWorker'swComp
-Thewlengthwofwtheweliminationwperiod
-Howw"TotalwDisability"wiswdefined
Anwindividualwwhowhaswhadwawheartwmurmurwsincewbirthwiswlikelywtowbewissuedwawpolicywthatwincludesw-
wcorrectwanswer-Anwimpairmentwrider
, Impairmentwriderw(exclusionwrider)w-wcorrectwanswer-
Takeswawaywcoveragewforwawspecifiedwmedicalwconditionw(diabetesworwepilepsy)
BeforewMr.wJoneswwaswdisabled,whewwaswawfull-
timewengineerwearningwaboutw$70,000wannually.wNow,wtwowyearswlaterwhewiswablewtowworkwpart-
time,wearningwaboutw$25,000wannually.
ItwiswLikelywthatwMr.wJoneswiswclassifiedwasw-wcorrectwanswer-partiallywdisabled
Whatwiswthewpurposewofwtheweliminationwperiod?w-wcorrectwanswer-
Itwspecifieswthewnumberwofwdayswbetweenwwhichwdisabilitywbenefitswwillwbewpaid
UnderwNJwminimumwstandardswforwindividualwhealthwinsurancewpolicies,wawprobationarywperiodwforw"sickn
ess"wmaywnotwexceedw-wcorrectwanswer-30wdays
Recurrentwdisabilityw-wcorrectwanswer-
recurswduewtowthewsamewbenefitworwrelatedwcausewofwlosswwithinw6wmonthswofwthewbackwtowworkwdate,wnoweli
minationwperiodwuponwrecurrence
BasicwHospitalwPlanwcoversw-wcorrectwanswer--dailywhospitalwroomw&wboard
-miscellaneouswhospitalwservices
-Hospitalwoutpatientwservices
BasicwMedicalwSurgicalwcoversw-wcorrectwanswer--surgicalwexpenses
-anesthesiawservices
-Inwhospitalwphysicianwservices
Basicwmedicalwplanw-wcorrectwanswer--Minimalwbenefits
-Nowdeductible
Whenwawhealthwinsurancewplanwoperateswonwawreimbursementwbasis,wbenefitswarewpaidwtow-wcorrectwanswer-
thewinsured
ANSWERS 2025 LATEST UPDATE
Totalwdisabilitywdefinitionwcanw-wcorrectwanswer-varywamongwpolicieswandwcompanies
Permanentwpartialwdisabilitywwouldwbewcoveredwbyw-wcorrectwanswer-residualwdisability
Anwagentwdiscussingwdisabilitywincomewcoveragewwithwanwindividualwwhowhaswrecentlywfinishedwcollegewan
dwstartedwwithwanwentrywlevelwjob.wWhatwriderwshouldwthewagentwrecommendwforwthewclient?w-
wcorrectwanswer-Guaranteedwinsurabilitywrider
Allowswyouwtowpurchasewadditionalwdisabilitywincomewinsurancewinwthewfuturewwithoutwhavingwtowprovewins
urability
Examplewofwawpresumptivewdisabilityw-wcorrectwanswer-
Nancywwaswcompletelywblindedwandwwillwnotwrecoverwherwsight
Presumptivew(catastrophic)wdisabilityw-wcorrectwanswer--oftenwwrittenwwithwawdisabilitywpolicy
-
disabilitywofwthewinsuredwwillwbewpresumedwtowbewTotalw&wPermanentwuponwlosswofwsight,wlosswofwthewusewo
fw2+wlimbs,wlosswofwhearing,wlosswofwspeech
HowwdowDisabilitywIncomewpolicieswdiffer?w-wcorrectwanswer--
WhetherworwnotwcoveragewiswprovidedwinwadditionwtowWorker'swComp
-Thewlengthwofwtheweliminationwperiod
-Howw"TotalwDisability"wiswdefined
Anwindividualwwhowhaswhadwawheartwmurmurwsincewbirthwiswlikelywtowbewissuedwawpolicywthatwincludesw-
wcorrectwanswer-Anwimpairmentwrider
, Impairmentwriderw(exclusionwrider)w-wcorrectwanswer-
Takeswawaywcoveragewforwawspecifiedwmedicalwconditionw(diabetesworwepilepsy)
BeforewMr.wJoneswwaswdisabled,whewwaswawfull-
timewengineerwearningwaboutw$70,000wannually.wNow,wtwowyearswlaterwhewiswablewtowworkwpart-
time,wearningwaboutw$25,000wannually.
ItwiswLikelywthatwMr.wJoneswiswclassifiedwasw-wcorrectwanswer-partiallywdisabled
Whatwiswthewpurposewofwtheweliminationwperiod?w-wcorrectwanswer-
Itwspecifieswthewnumberwofwdayswbetweenwwhichwdisabilitywbenefitswwillwbewpaid
UnderwNJwminimumwstandardswforwindividualwhealthwinsurancewpolicies,wawprobationarywperiodwforw"sickn
ess"wmaywnotwexceedw-wcorrectwanswer-30wdays
Recurrentwdisabilityw-wcorrectwanswer-
recurswduewtowthewsamewbenefitworwrelatedwcausewofwlosswwithinw6wmonthswofwthewbackwtowworkwdate,wnoweli
minationwperiodwuponwrecurrence
BasicwHospitalwPlanwcoversw-wcorrectwanswer--dailywhospitalwroomw&wboard
-miscellaneouswhospitalwservices
-Hospitalwoutpatientwservices
BasicwMedicalwSurgicalwcoversw-wcorrectwanswer--surgicalwexpenses
-anesthesiawservices
-Inwhospitalwphysicianwservices
Basicwmedicalwplanw-wcorrectwanswer--Minimalwbenefits
-Nowdeductible
Whenwawhealthwinsurancewplanwoperateswonwawreimbursementwbasis,wbenefitswarewpaidwtow-wcorrectwanswer-
thewinsured
