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Latest Test CA-Life-Accident-and-Health Discount & Valid Braindumps CA-Life-Accident-and-Health Ppt
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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q89-Q94):
NEW QUESTION # 89
A worker who is credited with 6 quarters of coverage during the last 13-quarter period becomes disabled.
What status does the worker have under the Social Security Disability Program?
- A. Uninsured.
- B. Currently insured.
- C. Partially insured.
- D. Disability insured.
Answer: B
Explanation:
Under the Social Security Disability Program, a worker who is credited with 6 quarters of coverageduring the last 13-quarter period is considered "currently insured." This status indicates that the worker has earned enough credits within a recent period to qualify for certain Social Security benefits, including disability benefits, though they may not have the fully insured status required for retirement benefits.
NEW QUESTION # 90
In long-term care policies, which of the following is an activity of daily living?
- A. Breathing
- B. Bathing
- C. Driving
- D. Working
Answer: B
Explanation:
In long-term care (LTC) policies, Activities of Daily Living (ADLs) are basic tasks that are essential for self-care. These typically include bathing, dressing, eating, toileting, transferring (moving from one place to another), and maintaining continence. These ADLs are used to determine the eligibility for benefits under an LTC policy. Bathing is specifically listed as one of these ADLs. Breathing, driving, and working are not considered ADLs in the context of LTC policies.
NEW QUESTION # 91
All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
- A. Members pay higher monthly fees when out-of-network providers are utilized.
- B. Members receive care from providers in the HMO network.
- C. Out-of-pocket expenses are limited as long as the network is utilized.
- D. Members pay fixed monthly fees to the HMO.
Answer: A
Explanation:
HMOs typically require members to use a network of designated providers and do not cover out-of-network care except in emergencies. Members pay fixed monthly fees for access to the HMO's network of providers.
While out-of-pocket expenses are limited within the network, utilizing out-of-network providers generally results in the services not being covered at all, rather than higher monthly fees. Therefore, statement D is incorrect.
NEW QUESTION # 92
Which group provides information about health-related issues to the elderly in California?
- A. The National Health Care Anti-Fraud Association.
- B. Long-term care insurance providers.
- C. The Health Insurance Counseling and Advocacy Program (HICAP).
- D. Medicare supplement insurers.
Answer: C
Explanation:
The Health Insurance Counseling and Advocacy Program (HICAP) provides free and objective information and counseling about Medicare and other health-related issues to the elderly in California. HICAP is a statewide program managed by the California Department of Aging and offers assistance through local agencies. This program helps seniors understand their health insurance options, including Medicare, long-term care insurance, and other health insurance-related topics.
NEW QUESTION # 93
The group medical plan provision that applies when a claimant has coverage under more than one plan is known as
- A. coinsurance.
- B. integration.
- C. maximum benefits.
- D. coordination of benefits.
Answer: D
Explanation:
Coordination of Benefits (COB) is a provision in group medical plans that determines the order in which multiple insurance policies will pay benefits when a claimant has coverage under more than one plan. The purpose of COB is to prevent duplicate payments and ensure that the combined payments from all insurers do not exceed the total cost of the services. This provision helps manage the claims process efficiently when more than one health plan is involved.
NEW QUESTION # 94
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