XCEL CHAPTER 9: SOCIAL SECURITY
EXAM 2025 QUESTIONS AND ANSWERS
In order to be considered "currently insured" under Social Security, an individual must be
credited with:
A) 12 quarters of coverage during the last 26-quarter period
B) 6 quarters of coverage during the last 13-quarter period
C) 15 total quarters of coverage
D) 30 total quarters of coverage - ANS B) 6 quarters of coverage during the last 13-quarter
period
A worker is entitled to Social Security disability benefits if all of the following are true, EXCEPT
for:
A) worker is under age 65
B) worker is insured for disability benefits
C) disability is expected to continue for 12 months or result in death
D) worker cannot perform his or her current job, but is actively seeking other employment -
ANS D) worker cannot perform his or her current job, but is actively seeking other
employment
All of the following statements correctly describe the purpose of Social Security EXCEPT
A) It provides a source of income for a meaningful standard of living during retirement
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, B) It provides basic protection against financial problems accompanying death, disability, and
retirement
C) It augments a sound personal insurance plan
D) It provides retirement and survivor benefits to a worker and the worker's family - ANS A)
It provides a source of income for a meaningful standard of living during retirement
The period in which there are no Social Security benefits for the surviving spouse is called the
A) blackout period
B) elimination period
C) ineligible period
D) dependency period - ANS A) blackout period
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 - ANS A) Individual has been credited with the
appropriate number of quarters of coverage
Which type of worker has Social Security benefits available to them?
A) Fully insured
B) Currently insured
C) Partially insured
D) Presently insured - ANS A) Fully insured
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EXAM 2025 QUESTIONS AND ANSWERS
In order to be considered "currently insured" under Social Security, an individual must be
credited with:
A) 12 quarters of coverage during the last 26-quarter period
B) 6 quarters of coverage during the last 13-quarter period
C) 15 total quarters of coverage
D) 30 total quarters of coverage - ANS B) 6 quarters of coverage during the last 13-quarter
period
A worker is entitled to Social Security disability benefits if all of the following are true, EXCEPT
for:
A) worker is under age 65
B) worker is insured for disability benefits
C) disability is expected to continue for 12 months or result in death
D) worker cannot perform his or her current job, but is actively seeking other employment -
ANS D) worker cannot perform his or her current job, but is actively seeking other
employment
All of the following statements correctly describe the purpose of Social Security EXCEPT
A) It provides a source of income for a meaningful standard of living during retirement
1 @COPYRIGHT THEBRIGHT 2025/2026
, B) It provides basic protection against financial problems accompanying death, disability, and
retirement
C) It augments a sound personal insurance plan
D) It provides retirement and survivor benefits to a worker and the worker's family - ANS A)
It provides a source of income for a meaningful standard of living during retirement
The period in which there are no Social Security benefits for the surviving spouse is called the
A) blackout period
B) elimination period
C) ineligible period
D) dependency period - ANS A) blackout period
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 - ANS A) Individual has been credited with the
appropriate number of quarters of coverage
Which type of worker has Social Security benefits available to them?
A) Fully insured
B) Currently insured
C) Partially insured
D) Presently insured - ANS A) Fully insured
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