CA-Life-Accident-and-Health Reliable Exam Questions - California Department of Insurance CA-Life-Accident-and-Health Exam Collection: CA Life, Accident and Health or Sickness Examination Latest Released

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California Department of Insurance CA-Life-Accident-and-Health Exam Collection - CA-Life-Accident-and-Health Reliable Dumps Questions

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q114-Q119):

NEW QUESTION # 114
Which of the following is NOT an example of cost sharing in a health insurance policy?

A. Copayment
B. Coordination
C. Deductible
D. Coinsurance

Answer: B

Explanation:
Cost sharing refers to the portion of health care costs covered by the insured, including deductibles, copayments, and coinsurance. These terms define the insured's out-of-pocket expenses when they receive medical care.
* Coinsurance: A percentage of the medical cost that the insured pays after meeting the deductible.
* Copayment: A fixed amount paid by the insured for specific services like doctor's visits.
* Deductible: The amount the insured must pay before the insurance company begins to cover costs.
Coordination of benefits is a process used when a person is covered by more than one insurance plan to ensure that the total payment does not exceed 100% of the covered costs. It is not a form of cost sharing but rather a method of managing multiple coverages.

NEW QUESTION # 115
All of the following statements about aleatory contracts are true EXCEPT

A. if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.
B. there are cases where the insurer pays nothing.
C. they may be interpreted as a form of gambling.
D. the insured and insurer contribute equally to they contract.

Answer: D

Explanation:
Aleatory contracts are agreements in which the outcomes and benefits are based on uncertain events.
Characteristics of aleatory contracts include the possibility that the insurer may pay nothing if a loss does not occur (B), and if a loss does occur, the amount paid by the insurer is typically much larger than the premium paid by the insured (D). These contracts may be seen as a form of gambling (A). However, it is not true that the insured and insurer contribute equally; rather, the amounts contributed can be significantly disproportionate, depending on the occurrence of the insured event.

NEW QUESTION # 116
A terminating employee who wants to exercise the conversion privilege must meet all of the following requirements EXCEPT

A. fill out the required forms.
B. supply evidence of insurability.
C. apply within 31 days of termination.
D. pay the premium.

Answer: B

Explanation:
The conversion privilege allows a terminating employee to convert their group insurance policy to an individual policy without providing evidence of insurability, which means no medical examination or health questions are required. To exercise this privilege, the employee must pay the premium, fill out the necessary forms, and apply within the specified period, usually 31 days after termination of employment. This provision ensures that individuals can maintain coverage even if their health status has changed, preventing them from being denied insurance based on new health conditions.

NEW QUESTION # 117
A worker is entitled to Social Security disability benefits if all of the following are true EXCEPT the

A. worker is insured for disability benefits.
B. worker cannot perform his or her current job, but is actively seeking other employment.
C. disability is expected to continue for 12 months or result in death.
D. worker is under age 65.

Answer: B

Explanation:
Eligibility for Social Security disability benefits requires that the worker is under age 65, insured for disability benefits, and has a disability expected to last at least 12 months or result in death. A crucial condition is that the worker cannot perform any substantial gainful activity, not just their current job. Actively seeking other employment is not a requirement for Social Security disability benefits; rather, the inability to engage in any substantial gainful activity is key.

NEW QUESTION # 118
Indexed annuities offer all of the following features EXCEPT

A. an annually increasing maximum rate of interest.
B. a minimum guarantee of interest rate.
C. an opportunity to participate in gains associated with the stock market.
D. protection during stock market declines.

Answer: A

Explanation:
Indexed Annuities Features:Indexed annuities provide a minimum guarantee of interest rate (A) to protect the principal. They also offer protection during stock market declines (B) by ensuring the value does not drop below a certain level and allow participation in stock market gains (D) through interest crediting linked to a stock market index.
Incorrect Feature:Indexed annuities do not offer an annually increasing maximum rate of interest (C). The maximum rate is often capped and does not increase each year.
Reference:These features are outlined in the annuity product guidelines provided by the California Department of Insurance.

NEW QUESTION # 119
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