Chapter 16 – Insurance Handbook of the Medical Office
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Disability income policies do not provide medical expense benefits.
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True
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Disability income insurance provides benefits for work-related disability.
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False
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For patients receiving VA medical care, travel expenses to and from the facility are a benefit.
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True
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In 1956, Congress established a program under Title II of the Social Security Act for long-term disability known as
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Social Security Disability Insurance (SSDI)
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One of the most important items in a state disability claim form is the claimant's Social Security number.
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True
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Provisions written into the insurance contract denying coverage or limiting the scope of coverage are called
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Exclusions
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The Armed Services Disability benefits program is available to
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Members of the armed services on active duty.
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Disabled workers younger than 65 years of age are eligible for SSDI.
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True
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Which two programs managed by the Social Security Administration pay monthly disability benefits to people younger than age 65 who cannot work for at least a year because of a severe disability?
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SSDI and SSI
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What is the time limit for a veteran to file a claim to receive outpatient treatment at VA expense for a service-connected disability?
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Within 1 year of sustaining the injury.
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The Civil Service Retirement System (CSRS) is a program that combines federal disability and Social Security disability.
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True
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For people trying to qualify for SSDI or SSI, determination is made by the physician.
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False
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The maximum amount of time for which benefits will be paid to the injured or ill person for a disability is called the
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Benefit period.
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State disability insurance benefits begin after the
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Seventh consecutive day of disability.
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The definition of total disability varies from policy to policy because there is no standard definition.
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True
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Funding for state disability insurance is usually a small percentage of the employee's wage that
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Is deducted from employees paychecks each month, the employer may elect to pay a portion of, and the employer may elect to pay as a fringe benefit.
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The first state to provide a successful state disability insurance program was
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Rhode Island.
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A policy that offers an insured person protection when loss of sight or loss of limb(s) occurs is called
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Dismemberment benefit.
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What is the correct order in the appeals process?
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Reconsideration, hearing, review by the Appeals Council, review by the Federal Court.
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The Supplemental Security Income (SSI) program under Title XVI of the Social Security Act provides
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Disability payments to needy people with limited income and few resources.
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When an employer provides disability income insurance and the employee leaves the company, the insurance terminates unless the employee is disabled.
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True
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Disability income insurance is available from
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Private insurance companies, employer-sponsored plans and government-funded programs.
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Residual benefits pay a
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Partial benefit when the insured is not totally disabled.
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The term \"guaranteed renewable\" means that the insurer is
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Required to renew the policy as log as premium payments are made, and the premium may be increased.
