NC ACCIDENT & HEALTH EXAM 2025
QUESTIONS AND ANSWERS
Can a group that is formed for the sole purpose of obtaining group insurance qualify for group
coverage?
a. no, a group of individuals cannot apply for group coverage unless represented by an
association or trust
b. yes, any group can apply for group coverage
c. no, the group must be formed for a purpose other than obtaining group insurance
d. yes, but only if the group is over 35 people - ans c. no, the group must be formed for a
purpose other than obtaining group insurance
the amount of social security disability benefits is based upon the worker's primary insurance
amount (pia), which is calculated from their average indexed monthly earnings over which
years? which years of income may be deleted from calculation?
a. their highest 40; lowest 5
b. their highest 35; lowest 5
c. their highest 20; lowest 2
d. their highest 15; lowest 4 - ans b. their highest 35; lowest 5
for group medical and dental expense insurance, what percentage of premium paid by the
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employer is deductible as a business expense?
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, a. 90%
b. 50%
c. 60%
d. 100% - ans d. 100%
how many days are provided for the applicant to review a new policy and return it for a full
premium refund?
a. 31
b. 10
c. 20
d. 7 - ans b. 10
in north carolina, a person who violates the law for false pretenses and cheats may be found
guilty of a/an
a. unfair trade practice
b. felony
c. minor violation
d. misdemeanor - ans b. felony
the patient protection and affordable care act mandates that insurers provide coverage for
adult children of the insured up to the age of
a. 19
b. 21
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c. 26
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, d. 30 - ans c. 26
an insured is covered by a disability income policy that contains an accidental means clause. the
insured exits a bus by jumping down the steps and breaks an ankle. what coverage will apply?
a. no coverage will apply, since disability income policies cover sickness only
b. coverage will apply since the break was accidental
c. coverage will apply, but will be reduced by 50%
d. no coverage will apply, since the injury could have been foreseen - ans d. no coverage will
apply, since the injury could have been foreseen
what is the maximum age for qualifying for a catastrophic plan?
a. 26
b. 30
c. 45
d. 62 - ans b. 30
an insured is involved in a car accident. after the accident is determined to be her fault, the
police give her a breathalyzer test to determine whether or not she had been drinking alcohol
before the accident. her blood alcohol level is over the legal limit. what type of health benefits
will her health insurance policy pay for her injuries if the policy includes the narcotics and
intoxicants provison?
a. only post-hospitalization benefits
b. partial benefits
c. no benefits
d. full benefits - ans c. no benefits
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@COPYRIGHT BRAINBARTER 2025/2026
QUESTIONS AND ANSWERS
Can a group that is formed for the sole purpose of obtaining group insurance qualify for group
coverage?
a. no, a group of individuals cannot apply for group coverage unless represented by an
association or trust
b. yes, any group can apply for group coverage
c. no, the group must be formed for a purpose other than obtaining group insurance
d. yes, but only if the group is over 35 people - ans c. no, the group must be formed for a
purpose other than obtaining group insurance
the amount of social security disability benefits is based upon the worker's primary insurance
amount (pia), which is calculated from their average indexed monthly earnings over which
years? which years of income may be deleted from calculation?
a. their highest 40; lowest 5
b. their highest 35; lowest 5
c. their highest 20; lowest 2
d. their highest 15; lowest 4 - ans b. their highest 35; lowest 5
for group medical and dental expense insurance, what percentage of premium paid by the
1
employer is deductible as a business expense?
PAGE
@COPYRIGHT BRAINBARTER 2025/2026
, a. 90%
b. 50%
c. 60%
d. 100% - ans d. 100%
how many days are provided for the applicant to review a new policy and return it for a full
premium refund?
a. 31
b. 10
c. 20
d. 7 - ans b. 10
in north carolina, a person who violates the law for false pretenses and cheats may be found
guilty of a/an
a. unfair trade practice
b. felony
c. minor violation
d. misdemeanor - ans b. felony
the patient protection and affordable care act mandates that insurers provide coverage for
adult children of the insured up to the age of
a. 19
b. 21
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c. 26
@COPYRIGHT BRAINBARTER 2025/2026
, d. 30 - ans c. 26
an insured is covered by a disability income policy that contains an accidental means clause. the
insured exits a bus by jumping down the steps and breaks an ankle. what coverage will apply?
a. no coverage will apply, since disability income policies cover sickness only
b. coverage will apply since the break was accidental
c. coverage will apply, but will be reduced by 50%
d. no coverage will apply, since the injury could have been foreseen - ans d. no coverage will
apply, since the injury could have been foreseen
what is the maximum age for qualifying for a catastrophic plan?
a. 26
b. 30
c. 45
d. 62 - ans b. 30
an insured is involved in a car accident. after the accident is determined to be her fault, the
police give her a breathalyzer test to determine whether or not she had been drinking alcohol
before the accident. her blood alcohol level is over the legal limit. what type of health benefits
will her health insurance policy pay for her injuries if the policy includes the narcotics and
intoxicants provison?
a. only post-hospitalization benefits
b. partial benefits
c. no benefits
d. full benefits - ans c. no benefits
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@COPYRIGHT BRAINBARTER 2025/2026
