Jhaque

50. Mary is an employee who is covered with a disability income policy through her employer. She pays for the portion of the premium attributable to the cost of residual disability benefits, while her employer pays for the remainder. What are the tax implications of this policy? 51. What is the name of the period of time during which a new employee is ineligible for group Health insurance coverage? 52. Under HIPAA, medical plan late enrollees may be excluded for pre-existing conditions for...

85. A contract that heavily restricts one party while leaving the other free (as some standard form printed contracts), and implies inequality in bargaining power is: 1. A contract of adhesion 2. A conditional contract 3. An aleatory contract 4. A unilateral contract 86. There are number of clauses in an insurance contract. One of the clauses identifies the contracting parties (the insured and the insurance company) and also the scope and limits of coverage. This clause is referred to as:...

45. Many small business owners worry how their business would survive financially if the owner becomes disabled. The policy which BEST addresses this concern is 46. How does group insurance differ from individual insurance? 47. The Coordination of Benefits provision 48. What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her consent when a change of beneficiary is made? 49. An accident policy will most likely pay a benefit for a(n) 50. The dif...

20. A group Disability Income plan that pays tax-free benefits to covered employees is considered A. Non-contributory B. Partially contributory C. Group contributory D. Fully contributory 21. Which of the following would evidence ownership in a participating health insurance contract? A. Stock ownership B. Irrevocable beneficiary status C. Policy ownership D. Collateral assignment 22. Which of the following does Coordination of Benefits allow? A. Allows the secondary payor to redu...

50. Continued coverage under COBRA would be provided to all of the following EXCEPT? 51. What is the coalled that is issued to an employer for a Group Medical Insurance Plan? 52. When a claimant has coverage under more than one heath plan, which group medical plan provision applies? 53. Which of the following is INELIGIBLE to participate in a Section 125 Plan? 54. If an employee contributes 50% toward the disability plan premium provided by an employer, what would be considered the t...

65. How many "yes" responses to CAGE questionnaire suggest that the possibility of alcoholism should be investigated further? 66. Which standard or guideline allows Medical Examiner discretion? 67. A driver has one ear canal completely plugged with wax but both ears pass the hearing standard. The medical exam is otherwise normal. What is the next step? Determination Pending until wax is removed since ME has to view tympanic membrane and auditory canal prior to issuing MEC. 68. The d...

91. A driver has a blood pressure of 168/112 confirmed during the examination. The driver would be? a) Disqualified b) Certified for 6 months c) Certified for 1 year d) Certified for 2 years 92. How long would the driver be certified for, if they are taking Micardis HCT for hypertension, with a confirmed blood pressure of 148/96 at the time of the examination? a) 3 months b) 6 months c) 1 year d) 2 years 93. A driver with a history of diabetes is taking an injected medication named...

If you have a fixed (not progressive) deficit of an extremity, you can be certified normally if you have this thing Max certification for adult ADHD Min waiting period for bipolar disorder (there are 2 different ones) Max certification for schizophrenia and related disorders Max certification for personality disorders Max certification for alcoholism Max certification for history of drug abuse Glaucoma causes what main clinical concern? Diabetics on insulin who have an ex...

Can a driver be certified with medical marijuana use? Can a driver take Methadone? Stage 2 hypertension (per FMCSA) What generation of antidepressants has fewer side effects and is preferred for drivers? Smoking/tobacco use requirements Visual acuity is measured in: What should always be discussed the driver regarding their medications? What do you do if you cannot assess a driver's visual acuity or visual fields in the office? What do you do if a driver is missing finge...

91. What is the certification for a driver with a one-time, three month certificate, who achieves a BP<=140/90? A) Six-month certification from the date of the initial certification examination B) One-year certification from the date of the initial certification examination C) One-year certification from the date of the documented BP<=140/90 D) Two-year certification from the date of the documented BP<=140/90 92. The stage of BP elevation should be based on the lower of the systo...