NY SERIES 17-52 EXAMINATION SET 2025 QUESTIONS
WITH ANSWERS RATED A+
✔✔The Affordable Care Act offers cost-sharing reductions such as lower co-payment,
coinsurance, and out-of-pocket limits to insureds in what metal tier plan category? -
✔✔Sliver
✔✔Under the employer shared responsibility provision of the Affordable Care Act, an
employer is exqmpt from penalties for not offering health insurance coverage if the
employer has less than how many full-time employees? - ✔✔50
✔✔Which is NOT an essential benefit required under the
Affordable Care Act? - ✔✔Adult oral and vision care
✔✔What is the main difference between the levels of coverage offered through the
ACA? - ✔✔percentage of coinsurance
✔✔What is coinsurance? - ✔✔The amount you pay for covered health care after you
meet your deductible.
✔✔Copayment - ✔✔An amount of money that is paid at the time of medical service
✔✔Deductible - ✔✔Amount you must pay before you begin receiving any benefits from
your insurance company
✔✔Which regulation was established by the Federal Trade Commission and Federal
Communications Commission to protect consumers? - ✔✔National Do Not Call List
✔✔How often do organizations need to check the Do Not Call
Registry in order to stay in compliance? - ✔✔Every 31 days
✔✔The National Do Not call list pertains to what type of calls? - ✔✔unsolicited sales
calls
✔✔What is the federal legislation that was established to set rules for commercial email
advertisements? - ✔✔CAN-SPAM
✔✔What does a Long Term Care policy cover? - ✔✔respite care
✔✔Which level of Long Term Care must be provided occasionally by a skilled
practitioner following doctor's orders? - ✔✔Intermediate care
✔✔What is the minimum level of renewability for a Long Term
, Care policy as required by State Law? - ✔✔Guaranteed renewable
✔✔According to the National Association of Insurance
Commissioner's Model Law regulating the sale of Long Term Care insurance, your first
year's rommission on an LTC sale could be no more than what amount if your second
year's renewal commission is $400? - ✔✔$800 (double)
✔✔Which is NOT required by a Long Term Care contract? - ✔✔Prior hospitalization
✔✔Which is NOT an Activity of Daily Living as defined by a Long Term Care policy? -
✔✔driving
✔✔What is also known as ambulatory care? - ✔✔outpatient care
✔✔What is covered by a Long Term Care policy? - ✔✔Alzheimer's
✔✔Which is NOT a benefit of a Long Term Care policy? - ✔✔Acute (serious) hospital
care
✔✔What peril(risk) does a Long Term Care insurance policy cover? - ✔✔Aging
✔✔What is the highest level of care under a Long Term Care policy? - ✔✔Skilled
nursing care
✔✔Which is TRUE concerning the replacement requirements for either an LTC (Long
Term Care) or an MSP (Medicare secondary Payer)? - ✔✔The Notice to Applicant
Regarding Replacement must be delivered to the policy owner prior to the issuance or
delivery of the potsy.
✔✔Which statement is TRUE concerning a Long Term Care policy? - ✔✔The policy
may be issued on a guaranteed renewable basis
✔✔What coverage is designed for the inability to perform the Activities of Daily Living
(ADLs)? - ✔✔Long term care
✔✔Which is the major reason why long term care insurance is becoming increasingly
important? - ✔✔As life expectancy increases, the chances of needing long term care
also increase.
✔✔The policy that is designed to provide nursing home benefits on an extended basis
for NOT less than 12 consecutive months is - ✔✔long term care
✔✔Which is NOT a benefit paid by a Medical Expense policy? - ✔✔pain, suffering
WITH ANSWERS RATED A+
✔✔The Affordable Care Act offers cost-sharing reductions such as lower co-payment,
coinsurance, and out-of-pocket limits to insureds in what metal tier plan category? -
✔✔Sliver
✔✔Under the employer shared responsibility provision of the Affordable Care Act, an
employer is exqmpt from penalties for not offering health insurance coverage if the
employer has less than how many full-time employees? - ✔✔50
✔✔Which is NOT an essential benefit required under the
Affordable Care Act? - ✔✔Adult oral and vision care
✔✔What is the main difference between the levels of coverage offered through the
ACA? - ✔✔percentage of coinsurance
✔✔What is coinsurance? - ✔✔The amount you pay for covered health care after you
meet your deductible.
✔✔Copayment - ✔✔An amount of money that is paid at the time of medical service
✔✔Deductible - ✔✔Amount you must pay before you begin receiving any benefits from
your insurance company
✔✔Which regulation was established by the Federal Trade Commission and Federal
Communications Commission to protect consumers? - ✔✔National Do Not Call List
✔✔How often do organizations need to check the Do Not Call
Registry in order to stay in compliance? - ✔✔Every 31 days
✔✔The National Do Not call list pertains to what type of calls? - ✔✔unsolicited sales
calls
✔✔What is the federal legislation that was established to set rules for commercial email
advertisements? - ✔✔CAN-SPAM
✔✔What does a Long Term Care policy cover? - ✔✔respite care
✔✔Which level of Long Term Care must be provided occasionally by a skilled
practitioner following doctor's orders? - ✔✔Intermediate care
✔✔What is the minimum level of renewability for a Long Term
, Care policy as required by State Law? - ✔✔Guaranteed renewable
✔✔According to the National Association of Insurance
Commissioner's Model Law regulating the sale of Long Term Care insurance, your first
year's rommission on an LTC sale could be no more than what amount if your second
year's renewal commission is $400? - ✔✔$800 (double)
✔✔Which is NOT required by a Long Term Care contract? - ✔✔Prior hospitalization
✔✔Which is NOT an Activity of Daily Living as defined by a Long Term Care policy? -
✔✔driving
✔✔What is also known as ambulatory care? - ✔✔outpatient care
✔✔What is covered by a Long Term Care policy? - ✔✔Alzheimer's
✔✔Which is NOT a benefit of a Long Term Care policy? - ✔✔Acute (serious) hospital
care
✔✔What peril(risk) does a Long Term Care insurance policy cover? - ✔✔Aging
✔✔What is the highest level of care under a Long Term Care policy? - ✔✔Skilled
nursing care
✔✔Which is TRUE concerning the replacement requirements for either an LTC (Long
Term Care) or an MSP (Medicare secondary Payer)? - ✔✔The Notice to Applicant
Regarding Replacement must be delivered to the policy owner prior to the issuance or
delivery of the potsy.
✔✔Which statement is TRUE concerning a Long Term Care policy? - ✔✔The policy
may be issued on a guaranteed renewable basis
✔✔What coverage is designed for the inability to perform the Activities of Daily Living
(ADLs)? - ✔✔Long term care
✔✔Which is the major reason why long term care insurance is becoming increasingly
important? - ✔✔As life expectancy increases, the chances of needing long term care
also increase.
✔✔The policy that is designed to provide nursing home benefits on an extended basis
for NOT less than 12 consecutive months is - ✔✔long term care
✔✔Which is NOT a benefit paid by a Medical Expense policy? - ✔✔pain, suffering
