XCEL STATE EXAM SIMULATOR EXAM
(ACTUAL EXAM) WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST 2025 - 2026
ALREADY GRADED A+
The "blackout period" affects whose benefits?
A) Employer
B) Disabled worker
C) Surviving spouse
D) Surviving children - ANSWERS-C) Surviving spouse
How does one qualify as a fully-insured individual under Social Security
disability coverage?
A) Individual has been credited with the
appropriate number of quarters of coverage
B) Individual is currently covered under Medicaid
C) Individual is expected to be disabled for 5
months
,D) Individual is currently employed - ANSWERS-A) Individual has been
credited with the
appropriate number of quarters of coverage
Which statement is NOT true regarding Social
Security benefits?
A) Benefit eligibility is based upon fully insured status
B) Benefits are designed to replace the entire amount of the worker's
earnings
C) Disability is expected to continue for 12 months or result in death
D) Worker must be totally and permanently disabled for at least 5 months
and unable to work again to be eligible for benefits - ANSWERS-B) Benefits
are designed to replace the entire amount of the worker's earnings
Who is NOT eligible for Social Security survivor benefits?
A) A widow at any age who is caring for children younger than 16
B) A widow at full retirement age
C) Full-time students under the age of 19
D) A deceased worker's dependent parents of any - ANSWERS-D) A deceased
worker's dependent parents of any
How long must an individual be unable to engage in any gainful activity due
to physical or mental disability in order to qualify for Social Security
Total Disability?
,A) 3 months
B) 6 months
C) 12 months
D) 18 months - ANSWERS-C) 12 months
What determines the Social Security normal retirement age?
A) Year in which worker was born
B) Worker's average lifetime income
C) Number of dependents
D) Number of quarters employed - ANSWERS-A) Year in which worker was
born
What is considered to be the definition of disability, according to Social
Security?
A) Unable to engage in the worker's chosen career field
B) Unable to engage in any substantial gainful activity
C) Unable to perform duties in the worker's occupation
D) Unable to perform occupational duties in similar career fields - ANSWERS-
B) Unable to engage in any substantial gainful activity
How long is a person expected to be disabled in order to receive Social
Security disability benefits?
A) 4 months
, B) 6 months
C) 12 months
D) 18 months - ANSWERS-C) 12 months
According to the PPACA, the medical enrollment tier that has 80% actuarial
value is called
A) bronze
B) platinum
C) gold
D) silver - ANSWERS-C) gold
People with low income can be provided with medical assistance through
which program?
A)HSA
B) Medicare
C) Medi-Cal
D) Social Security - ANSWERS-C) Medi-Cal
What is a corridor in relation to a Universal Life insurance
policy?
A) The gap between when a claim is filed and when the death benefit is
received
B) The gap between the total death benefit and the policy's cash value
(ACTUAL EXAM) WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST 2025 - 2026
ALREADY GRADED A+
The "blackout period" affects whose benefits?
A) Employer
B) Disabled worker
C) Surviving spouse
D) Surviving children - ANSWERS-C) Surviving spouse
How does one qualify as a fully-insured individual under Social Security
disability coverage?
A) Individual has been credited with the
appropriate number of quarters of coverage
B) Individual is currently covered under Medicaid
C) Individual is expected to be disabled for 5
months
,D) Individual is currently employed - ANSWERS-A) Individual has been
credited with the
appropriate number of quarters of coverage
Which statement is NOT true regarding Social
Security benefits?
A) Benefit eligibility is based upon fully insured status
B) Benefits are designed to replace the entire amount of the worker's
earnings
C) Disability is expected to continue for 12 months or result in death
D) Worker must be totally and permanently disabled for at least 5 months
and unable to work again to be eligible for benefits - ANSWERS-B) Benefits
are designed to replace the entire amount of the worker's earnings
Who is NOT eligible for Social Security survivor benefits?
A) A widow at any age who is caring for children younger than 16
B) A widow at full retirement age
C) Full-time students under the age of 19
D) A deceased worker's dependent parents of any - ANSWERS-D) A deceased
worker's dependent parents of any
How long must an individual be unable to engage in any gainful activity due
to physical or mental disability in order to qualify for Social Security
Total Disability?
,A) 3 months
B) 6 months
C) 12 months
D) 18 months - ANSWERS-C) 12 months
What determines the Social Security normal retirement age?
A) Year in which worker was born
B) Worker's average lifetime income
C) Number of dependents
D) Number of quarters employed - ANSWERS-A) Year in which worker was
born
What is considered to be the definition of disability, according to Social
Security?
A) Unable to engage in the worker's chosen career field
B) Unable to engage in any substantial gainful activity
C) Unable to perform duties in the worker's occupation
D) Unable to perform occupational duties in similar career fields - ANSWERS-
B) Unable to engage in any substantial gainful activity
How long is a person expected to be disabled in order to receive Social
Security disability benefits?
A) 4 months
, B) 6 months
C) 12 months
D) 18 months - ANSWERS-C) 12 months
According to the PPACA, the medical enrollment tier that has 80% actuarial
value is called
A) bronze
B) platinum
C) gold
D) silver - ANSWERS-C) gold
People with low income can be provided with medical assistance through
which program?
A)HSA
B) Medicare
C) Medi-Cal
D) Social Security - ANSWERS-C) Medi-Cal
What is a corridor in relation to a Universal Life insurance
policy?
A) The gap between when a claim is filed and when the death benefit is
received
B) The gap between the total death benefit and the policy's cash value
