REVIEW QUESTIONS WITH CORRECT
ANSWERS 2025/2026
TheAprovisionAwhichApreventsAtheAinsuredAfromAbringingAanyAlegalAactionAagainstAtheAcompan
yAforAatAleastA60AdaysAafterAproofAofAlossAisAknownAasA-
AcorrectAanswersLegalAactions.AThisAmandatoryAprovisionArequiresAthatAnoAlegalAactionAtoAcolle
ctAbenefitsAmayAbeAstartedAsoonerAthanA60AdaysAafterAtheAproofAofAlossAisAfiledAwithAtheAinsure
r.AThisAgivesAtheAinsurerAtimeAtoAevaluateAtheAclaim.
WhichAofAtheAfollowingAlong-
termAcareAbenefitsAwouldAprovideAcoverageAforAcareAforAfunctionallyAimpairedAadultsAonAaAless
AthanA24-hourAbasis?A-
AcorrectAanswersAdultAdayAcare.AAdultAdayAcareAisAdesignedAforAthoseAwhoArequireAassistanceA
withAvariousAADLsAonAaAdailyAbasis,AbutAnotAaroundAtheAclock.ACustodialAcareAisAusuallyAtheAonl
yAserviceAprovidedAbyAadultAdayAcareAfacilities.
AnAinsuredAhasAMedicareAPartADAcoverage.AUponAreachingAtheAinitialAbenefitAlimit,AwhatAperce
ntageAofAtheAprescriptionAdrugAcostAisAtheAinsuredAresponsibleAforApaying?A-
AcorrectAanswers25%.AOnceAtheAinitialAbenefitAlimitAisAreached,AanAinsuredAisAonlyAresponsibleA
forA25%AofAtheAprescriptionAdrugAcost.AThisApercentageAappliesAtoAgenericAandAbrandAnameAdr
ugs.
WhichAofAtheAfollowingAstatementsAisANOTAcorrectAconcerningAtheACOBRAAActAofA1985?A-
AcorrectAanswersItArequiresAallAemployers,AregardlessAofAtheAnumberAorAageAofAemployees,AtoA
provideAextendedAgroupAhealthAcoverage.ACOBRAAActAappliesAtoAonlyAemployersAwithA20AorAm
oreAemployees.
IfAaApersonAisAdisabledAatAageA27AandAmeetsASocialASecurity'sAdefinitionAofAtotalAdisability,Ahow
AmanyAworkAcreditsAmustAhe/sheAhaveAearnedAtoAreceiveAbenefits?A-
AcorrectAanswers12Acredits.APersonsAdisableAbetweenAagesA24AandA31AcanAqualifyAforAbenefitsA
ifAtheyAhaveAcreditAforAhavingAworkedAhalfAofAtheAtimeAbetweenAageA21AandAtheAstartAofAtheAdi
sability.AForAexample,AifAJoeAbecomesAdisabledAatAageA27,AheAwouldAneedA12AcreditsA(orA3Ayear
s'Aworth)AoutAofAtheApriorA6AyearsA(betweenAagesA21AandA27).
ItemsAstipulatedAinAtheAcontractAthatAtheAinsurerAwillAnotAprovideAcoverageAforAareAfoundAinAth
eA-AcorrectAanswersExclusions.
WhichAmembersAofAaAcorporationAorApartnershipAareArequiredAtoAobtainAanAindividualAinsuran
ceAagent'sAlicenseAinAorderAforAtheAassociationAtoAbeAlicensed?A-
AcorrectAanswersAtAleastAoneAofficerAorApartnerAandAanyAotherApersonAactingAasAanAagent.AAtAl
eastAoneAofficerAofAtheAcorporationAorAoneAactiveApartnerAofAtheApartnershipAandAallAotherAper