Med Insurance chapter 16
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• Benefits for medical expenses are provided through disability income insurance
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False
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• Disability income insurance provides benefits for work-related disability.
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False
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• Temporary disability exists when an illness or injury prevents a person from performing one or more of the functions of his or her regular job.
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False
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• No prior employment is necessary for SSDI eligibility.
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False
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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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• If a state has state disability insurance, all types of workers are covered.
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False
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• After a state disability claim is approved, basic benefits become payable with the eight day of disability or the third day of hospital confinement, whichever comes first.
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False
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• Disability income insurance is available from?
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D. All of the above.
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• Coverage that provides a specific monthly or weekly income when a person is unable to work because of illness or injury is known as?
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B. disability income insurance.
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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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C. benefit period.
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• Residual benefits pay a-
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A . partial benefit when the insured is not totally disabled
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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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C. Dismemberment benefit
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• When an illness or injury prevents an insured person from performing one or more of the functions of his or her regular job, the disability is called-
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D. both A & B
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• The term "guaranteed renewable" means that the insured is--
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A. required to renew the policy as long as premium payments are made, and the premium may be increased.
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• Provisions written into the insurance contract denying coverage or limiting the scope of coverage are called--
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B. Exclusions
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• Which two programs managed by the Social Security administration pay monthly disability benefits to ppl younger than 65 who can't work for at least a year because of a severe disability--
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C. SSDI & SSI
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• In 1956, the U.S. Congress established a program under Title II of the Social Security Act for long-term disability known as--
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C. Social Security Disability Insurance (SSDI)
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• The Supplemental Security Income (SSI) Program under Title XVI of the Social Security Act provides-
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B. disability payments to needy ppl with limited income & few resources.
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• What is the correct order in the appeals process?
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A. Reconsideration, Hearing, review by the Appeals Council, review by the federal court.
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• The Armed Services Disability benefits program is available to--
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D. Members of the armed services on active duty.
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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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B. within 1 year of sustaining the injury.
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• The first state to provide a successful state disability insurance was--
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D. Rhode Island.
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• State disability insurance (SDI) is also known as--
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D. A&B (UCD).(TDI).
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• State disability insurance benefits begin after the--
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C. Seventh consecutive day of disability.
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• Funding for state disability insurance usually a small percentage of the employee's wage that
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D. All of the above
