Loma 280 Chapter 13 Exam Questions and
Answers 100% Pass
activities of daily living (ADL) - ✔✔The activities of eating, bathing, dressing,
continence, toileting, or transferring into or out of a bed, chair, or wheelchair
basic medical expense coverage - ✔✔Medical expense insurance coverage provid-ing
separate benefits for each type of covered medical care cost. This typically provides
benefits for hospital, surgical, and physicians' expenses
benefit period - ✔✔The time during which the insurer agrees to pay income benefits to
the insured under a disability income or long-term care insurance policy
benefit trigger - ✔✔A long-term care insurance policy requirement specifying the
conditions that establish an insured's eligibility to receive long-term care benefits.
calendar-year deductible - ✔✔A deductible that applies to the total of all allowable
expenses an insured incurs during a given calendar year
cognitive impairment - ✔✔A reduction in a person's ability to think, reason, or
remember.
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, coinsurance - ✔✔An expense participation requirement imposed by many medical
expense plans; the requirement, generally, is a specified percentage of all allow-able
expenses that remain after the insured has paid the deductible and that must be paid by
the insured
comprehensive major medical policy - ✔✔A medical expense insurance policy that
combines the coverages provided by both a supplemental major medical policy and an
underlying basic medical expense policy
copayment - ✔✔A specified, fixed amount paid by a managed care plan member to a
network provider when she receives services from the provider
cost-of-living adjustment (COLA) benefit - ✔✔A disability income insurance benefit
that provides for periodic increases in the disability income benefit amount that the
insurer will pay to a disabled insured; these increases usually correspond to increases in
the cost of living.
daily benefit amount - ✔✔Under a long-term care insurance policy, the maximum
amount the insurer will pay for each day of an insured's long-term care at a care facility
or in the patient's home
deductible - ✔✔A fiat dollar amount of eligible medical expenses that the insured must
pay before the insurer begins making any benefit payments under a medical expense
insurance policy
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Answers 100% Pass
activities of daily living (ADL) - ✔✔The activities of eating, bathing, dressing,
continence, toileting, or transferring into or out of a bed, chair, or wheelchair
basic medical expense coverage - ✔✔Medical expense insurance coverage provid-ing
separate benefits for each type of covered medical care cost. This typically provides
benefits for hospital, surgical, and physicians' expenses
benefit period - ✔✔The time during which the insurer agrees to pay income benefits to
the insured under a disability income or long-term care insurance policy
benefit trigger - ✔✔A long-term care insurance policy requirement specifying the
conditions that establish an insured's eligibility to receive long-term care benefits.
calendar-year deductible - ✔✔A deductible that applies to the total of all allowable
expenses an insured incurs during a given calendar year
cognitive impairment - ✔✔A reduction in a person's ability to think, reason, or
remember.
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, coinsurance - ✔✔An expense participation requirement imposed by many medical
expense plans; the requirement, generally, is a specified percentage of all allow-able
expenses that remain after the insured has paid the deductible and that must be paid by
the insured
comprehensive major medical policy - ✔✔A medical expense insurance policy that
combines the coverages provided by both a supplemental major medical policy and an
underlying basic medical expense policy
copayment - ✔✔A specified, fixed amount paid by a managed care plan member to a
network provider when she receives services from the provider
cost-of-living adjustment (COLA) benefit - ✔✔A disability income insurance benefit
that provides for periodic increases in the disability income benefit amount that the
insurer will pay to a disabled insured; these increases usually correspond to increases in
the cost of living.
daily benefit amount - ✔✔Under a long-term care insurance policy, the maximum
amount the insurer will pay for each day of an insured's long-term care at a care facility
or in the patient's home
deductible - ✔✔A fiat dollar amount of eligible medical expenses that the insured must
pay before the insurer begins making any benefit payments under a medical expense
insurance policy
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