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Clinical Decision Making Review Questions And Answers

Under what circumstance does an accident and health insurer have the right to request an autopsy? 1. When the claim exceeds an amount specified in the policy 2. When 2 days have passed after death 3. When not prohibited by state law 4. When consent is given by the beneficiary - ANS 3. When not prohibited by state law Which of the following accurately describes the "time limit on certain defenses"? 1. After a stated period of time, claims cannot be denied due to mat...

Kurt is an active duty serviceman who was recently killed in an accident while home on leave. Which military service exclusion clause would pay upon his death? - active - status - results - leave - ANS results A rehabilitation benefit is intended to: - prepare the insured to return to employment - minimize the insurers liability - give the insured time to find a new career - increase the overall benefits given to the insured - ANS prepare the insured to return to ...

Which dividend option would an insurer invest the policy owner's money and add any interest earnings as the dividends accrue? -Accumulation at Interest Option -Cash Dividend Option -Paid-Up Additions Option -One-Year Term Dividend Option - ANS The Accumulation at Interest Option - invests the policy owner's money and adds interest earnings to the initial amount of the dividends. Decreasing term life insurance is often used to? -provide retirement funds -provide cov...

Accident - ANS An unplanned, unforeseen event which occurs suddenly and at an unspecified place. Adhesion - ANS "A contract offered on a ""take-it-or-leave-it"" basis by an insurer, in which the insured's only option is to accept or reject the contract. Any ambiguities in the contract will be settled in favor of the insured." Adverse Selection - ANS The tendency of risks with higher probability of loss to purchase and maintain insurance more often than the...

all of the following information about a customer must be used in determining annuity suitability EXCEPT - ANS Beneficiaries age how must a replacing producer respond to an applicant wishing to replace existing life insurance? - ANS the producer must provide the applicant with a notice regarding replacement Which of the following is the basic source of information used by the company in the risk selection process? - ANS application Which of the following state...

all of the following information about a customer must be used in determining annuity suitability EXCEPT - ANS Beneficiaries age how must a replacing producer respond to an applicant wishing to replace existing life insurance? - ANS the producer must provide the applicant with a notice regarding replacement Which of the following is the basic source of information used by the company in the risk selection process? - ANS application Which of the following state...

Sally is considering her Medicare options. She understands that to enroll in Medicare Part B, she will have to pay a monthly premium. Since she is healthy, she is considering delaying her enrollment until later. Will she be able to enroll at a later date? 1.Yes, she can enroll at anytime in the future 2.Yes, however; she would have a permanent premium penalty when she does enroll 3.No, this is a take or leave it situation 4.Yes, but she would have to show evidence of good health. - ANS ...