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A person has committed a misdemeanor in the first degree if he or she: lies about a childcare program, lies about being licensed, or operates with a suspended license. - answer-true A space or room in which care is provided or classes are held, and where learning can take place uninterrupted by outside distractions - answer-classroom/room/designated space access - answer-During the child care program's operational hours and the times the children are in care, the program must allow pare...

_____ heat breast milk on the stove or in the microwave; - answer-NEVER eat breast milk on the stove or in the microwave; this destroys the nutrients. _____ may be a warning sign that the body has an infection and needs treatment before the infection can become harmful. - answer-Fever ______ ________ _______ is the most effective way of preventing the spread of germs and diseases in a childcare setting. - answer-PROPER PERSONAL HYGIENE is the most effective way of preventing the spread of ...

Adverse determination - answer-If an adverse determination is made during a covered person's hospital stay or course of treatment, the health care services must be continued without liability until the covered person is notified of the carrier's adverse determination. Advertisements - answer-Insurers are expected to keep a copy of every advertisement used in the state for 5 years after it was last used. These copies are subject to examination by the insurance department. Appeals of a...

Activities of Daily Living (ADLs) - answer-a person's essential activities that include bathing, dressing, eating, transferring, toileting, continence Adverse Selection - answer-insuring risks that are more prone to losses than the average risk Agent/Producer - answer-a legal representative of an insurance company; the classification of producer usually includes agents and brokers; agents are the agents of the insurer Aggregate - answer-combined, total Applicant - answer-a person ...

A domestic insurer issuing variable contracts must establish one or more? - answer-separate accounts A insured may reject the policy all together or accept, this is called? - answer-adhesion a lender is requiring that a borrower purchases an insurance policy thought a particular insurer as a condition to the extension of credit. What is this called? - answer-unfair practice of coercion a participant in a 401K plan takes a distrubiton and rolls inover to an IRA within 60 days. Is the amo...

_________ review is a set of formal techniques for monitoring the use or clinical necessity of health care, or for determining if an exclusion applies or a treatment is medically necessary. - answer-Utilization ______________ is a form of whole life in which the insurance company can change the premiums or interest rate being credited to the account based on current money market rates. - answer-Current Assumption Whole Life A life insurance applicant's answers on the application indicat...

Agents Report - answer-Personal Observations Aleatory Contract - answer-Exchange of unequal amounts of values Application - answer-The main source of underwriting Attending Physician's Statement (APS) - answer-Doctor's Records Needs written consent Beneficiary - answer-Insured Buyers Guide - answer-Basis and Generic information about life insurance policies offered at the time of application Competent Parties - answer-Parties to a contract must be capable of entering a c...

when does a certificate of authority expire - answer-June 30th when do you report administrative actions - answer-within 30 days Penalty for license denial, suspension, or revocation - answer-3,000 Penalties for falsifying books/documents - answer-maximum fine of 5,000 and between 2-12 months imprisonment Unfair Trade Practices and methods of competition fines - answer-3000 maximum per violation 30,000 maximum aggregate 30,000 insurer maximum per 750,000 insurer maximum aggregate ...

A license is deemed to be used for controlled business if, during any 12 month period, the total premiums on controlled business ____ the total premiums on all other business. - answer-Exceed A producer must remit premiums to insurer within ____ days after receipt. - answer-45 A producer must return all premium to the insured within ____ days. - answer-30 After the policy has been in force ____ year, the insurer may not deny death benefits (other than accidental death) due to suicide. -...

$100 - answer-All group and individual health plans issued in Colorado that provide coverage for hospital, surgical, or medical expenses must cover diabetes, including equipment, supplies, and, when administered by a professional diabetes expert, outpatient self-management training and education. This includes how much $ for a 30-day insulin supply? $3,000 - answer-The Commissioner may assign penalties in addition to those authorized by law, including: fine the producer up to $? for the viola...