The waiting period for Temporary Disability insurance benefits is

To be eligible for Temporary Disability insurance, an individual must have been in employment for at least ___ weeks, during which they worked _____ hours and earned wages of at least ___ during the 52 weeks immediately preceding their first day of disability.

A person is eligible for Pre-Paid Health Care if they have been employed at least _____ weeks and work at least ____ per week.

for Pre-Paid Health Care and the Employers must pay what amount and employees must pay the balance.

An “insured” may cancel their health insurance policy at anytime by

Handicapped children may continue to be covered on their parent’s health insurance as long as the parents notify the insurer within

Persons covered by a group health policy may assign their benefits to a hospital or doctor, which is known as an

what clause states that "This policy, including the endorsements and attached papers, if any, constitutes the entire contract of insurance. No producer has authority to change this policy or waive any of its provisions. No change in the policy shall be valid until approved by a company officer”.

A health policy shall be incontestable after 3 years, except for fraud. The name of this provision is the

The maximum probationary period on an individual health policy is usually

the insurer shall not define a preexisting condition as one that occurred more than ____ prior to the effective date of the policy.

The maximum probationary period on Medicare Supplements, group health and long term care policies is

The insured shall send Notice of Claim to the insurer within

The policy provision that states to whom a claim is payable is called

The policy provision that says claims should be paid immediately is called

The policy provision that allows the insurer to ask a disability income claimant to see the insurer's doctor is called "Physical Exam and Autopsy".

The "Legal Actions" provision allows the insured to sue the insurer in the event of nonpayment of a valid claim after ___ days

Newborns must be covered from

Complications from pregnancy are covered the same as

Medicare supplements and LTC policies are required to have a___________, starting from policy delivery (there is no coverage if you return the policy).

All insurers selling Medicare Supplements (Medigap policies) must offer at least known as the "core" or "basic" benefits

Under COBRA (a federal regulation), a terminated employee may stay in the group for up to _______ months but has to pay their own premium including any portion formerly paid by their employer.

Insurers must _________ for treatment of alcoholism and substance abuse.

Underwriters utilize the Medical Information Bureau (MIB) to prevent

Upon termination of employment, employees must be given the option of conversion to an individual policy without evidence of insurability within ______

Medicare Supplements and Long Term Care (LTC) policies where the insurer must offer renewal to a certain age or date, BUT rates may be changed by "class" are

Medicaid is for low income people regardless of age (medical welfare) funded by

A retired person age 65 or older who has Medicare Parts A & B should also consider buying this to fill in Medicare's "gaps" in coverage.

A Medicare Supplement is required to have a ______ starting after a retired person enrolls in Medicare Part B, during which time the applicant may not be rejected or up-rated by an insurer.

All social security benefits are based upon the participant’s.

Anyone on kidney dialysis or who qualifies for disability benefits under social security for 2 years, regardless of their age, is eligible for

Only persons eligible for social security disability are ages

You must have "fully insured" status under social security in order to get disability benefits, meaning contributed at least ____ quarters

Social Security benefits are "indexed" for ______ tied to the ______

There are how many Medicare Supplement Plans available

All insurers selling Medicare Supplements must offer at least

2 health policies that both cover nursing homes.

Grace periods on health insurance are 7 days, 10 days or 31 days, depending upon the

Complications from pregnancy must be covered on what policies.