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The “needs” approach to life insurance consists of:
As a rule, a surviving spouse is eligible for Social Security benefits until the youngest child reaches age:
It has been said that the most costly fixed expense in the American household is:
If you use permanent insurance to purchase mortgage protection, while the mortgage is decreasing, the permanent insurance:
So long as an individual pays Social Security taxes for most of their working life, Social Security provides that:
A clean-up fund should:
The following person is the only one that can change an irrevocable beneficiary:
Purchasing term insurance allows the client to obtain a substantial amount of protection at:
Double indemnity will pay ___ the basic benefit in the event of loss resulting from specified causes or under specified circumstances.
Life insurance written on a child is often referred to as:
Proper insurance planning requires that a professional insurance agent:
Currently, the maximum base earnings subject to Medicare is:
Medicare pays for hospital care if the patient meets four (4) conditions. Which of the following is NOT one of the four:
Hospice care provides the following benefit periods for a terminally ill patient:
The grace period in a life policy is the time beyond the due date you are permitted to:
The additional premium for Part B benefits is:
Medicare goes into effect at age 65:
Medicare’s annual deductible for hospitalization:
One pair of eyeglasses is provided under Medicare:
A Social Security disability beneficiary is covered under Medicare after entitlement to disability benefits for ___ months or more.
Employers must offer employees age 65 or older the same health benefits offered to younger employees. Therefore, if there is a claim under the group policy at work, Medicare will:
Medicare is a federal health insurance program for all of the following EXCEPT:
Under Part A, which of the following statements is CORRECT concerning hospital insurance:
The cost of psychiatric treatment outside a hospital for mental, psychoneurotic, and personality disorders is covered. However, co-insurance is:
Under the “Use It or Lose It” rule, all account balances in cafeteria plans must be:
The only rule for eligibility in a cafeteria plan is that one can be required to complete more than ___ year(s) of employment in order to participate.
Regarding anti-discrimination, cafeteria plans may not discriminate in favor of:
At least ___ of those eligible to join a cafeteria plan must be non-highly compensated employees.
Medicare will pay for skilled nursing care at 100% of the approved charges for the first ___ days.
Which of the following is NOT one of the three mandated government programs:
After 20 days in a nursing home, there is additional coverage for another ___ days during which time the patient pays a co-insurance.
Benefits for psychiatric hospital care are subject to a lifetime limit of ___ days.
Medicare does not cover which of the following:
Part A of Medicare is described as:
Part B of Medicare is described as:
The per-day cost to the patient from the 60th to the 90th day is ___ of the deductible.
The 60-day lifetime reserve days requires the patient to pay ___ of the deductible per day.
A persons initial enrollment period is a ___ month period beginning on the first day of the third month before the age of 65 is attained.
While money pays for life insurance coverage, it is the insured’s _______ that allows it to be purchased.
Medicare provides for ___ pair of eyeglasses following cataract surgery.