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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q87-Q92):

NEW QUESTION # 87
In long-term care policies, which of the following is an activity of daily living?

A. Breathing
B. Working
C. Driving
D. Bathing

Answer: D

Explanation:
In long-term care (LTC) policies, Activities of Daily Living (ADLs) are basic tasks that are essential for self-care. These typically include bathing, dressing, eating, toileting, transferring (moving from one place to another), and maintaining continence. These ADLs are used to determine the eligibility for benefits under an LTC policy. Bathing is specifically listed as one of these ADLs. Breathing, driving, and working are not considered ADLs in the context of LTC policies.

NEW QUESTION # 88
The cost of employer-provided group life insurance above $50,000 is

A. taxable as income to the employee.
B. taxable to the employer.
C. tax deductible by the employee.
D. tax exempt to the employee.

Answer: A

Explanation:
Under the Internal Revenue Code, the cost of employer-provided group life insurance coverage above $50,000 is considered a taxable fringe benefit. This means that the value of the coverage exceeding $50,000 is included in the employee's gross income and is subject to income taxes. This rule ensures that employees are taxed on the additional benefit they receive from their employer.

NEW QUESTION # 89
According to the Employee Retirement Income Security Act of 1974 (ERISA) fiduciary standards, benefit plans are operated for

A. plan participants and beneficiaries.
B. plan sponsors and beneficiaries.
C. plan employees.
D. plan sponsors and employees.

Answer: A

Explanation:
According to the Employee Retirement Income Security Act of 1974 (ERISA) fiduciary standards, benefit plans must be operated for the exclusive benefit of plan participants and their beneficiaries. Fiduciaries managing the plans are required to act prudently and in the best interest of these participants and beneficiaries, ensuring that the plans are administered properly and that the assets are protected and used solely for providing benefits and defraying reasonable administrative expenses.

NEW QUESTION # 90
When a family policy covers children, all of the following are true EXCEPT

A. there is no additional charge for covering new additions to the family.
B. all children living with the family are covered even if adopted or born after the policy is issued.
C. the coverage is term insurance for a fixed amount.
D. evidence of insurability is required to convert coverage for children to permanent insurance.

Answer: D

Explanation:
When a family policy covers children, the coverage is typically provided as term insurance for a fixed amount, and it often includes provisions that automatically cover new additions to the family without an additional charge. All children living with the family, including those adopted or born after the policy is issued, are generally covered. However, evidence of insurability is not typically required to convert the children's term insurance coverage to permanent insurance. This conversion option allows for flexibility in ensuring continued coverage as children grow older.

NEW QUESTION # 91
Insureds are entitled to recover an amount NOT greater than the amount of their loss under the principle of

A. utmost good faith.
B. adhesion.
C. warranty.
D. indemnity.

Answer: D

Explanation:
The principle of indemnity in insurance means that insureds are entitled to recover an amount not greater than the amount of their loss. This principle ensures that the insured does not profit from the insurance claim but is restored to the same financial position they were in before the loss occurred. This concept is fundamental to insurance policies to maintain fairness and prevent fraud. The California Department of Insurance emphasizes this principle to ensure proper compensation for losses.

NEW QUESTION # 92
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