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A comprehensive set of review questions and answers for the state insurance claims adjusters certification exam. It covers various topics related to insurance claims adjusting, including types of adjusters, insurance policies, claims procedures, disability benefits, and medical terminology. Designed to help students prepare for the exam and achieve a passing score.
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[Risk Management and Insurance Program.]
Course Title and Number: Claims Adjuster Exam Exam Title: Board Exam Exam Date: Exam 2024- 2025 Instructor: [Insert Instructor’s Name] Student Name: [Insert Student’s Name] Student ID: [Insert Student ID]
180 minutes
State Insurance Claims Adjusters Certification 2024- New York N.Y Independent Adjuster Series 17-63 NY Accident and Health Insurance Exam Review Questions and Answers | 100% Pass Guaranteed | Graded A+ | Read All Instructions Carefully and Answer All the Questions Correctly Good Luck: - A person, firm or corporation acts on behalf of an insurer. (For profit) Insurance Company - =Answer>> Independent Adjuster A person, firm or corporation acts on behalf of an insured. Negotiating certain claims for loss of damage to property. - =Answer>> Public Adjuster Insurance policies provide insurer right to cancel coverage at any time. Giving number of days notice. (as little as five days) - =Answer>> Cancellable Health Insurance Contracts can't be cancelled by an insurer for any reason. Exceptions include fraudulent claim or non-payment of premium. - =Answer>> Noncancellable Health Inusurance Policies provide insurer with the right to refuse to renew coverage for certain conditions stated in the policy. Can't refuse to renew on basis of declining health. - =Answer>> Conditionally Renewable Employee Retirement Income Security Act (1974) - =Answer>> ERISA Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
Inability for insured to carry on all the duties of his/her job. Benefits are paid on percentage of lost income. - =Answer>> Partial Disability Based on the proportion of income that the insured has lost. Taking into consideration that he/she can work and earn a portion of their income. - =Answer>> Residual Disability Dollar amount available for certain permanent partial injuries. Also known as Accidental Death and Dismemberment (AD&D) - =Answer>> Lump Sum Benefits Package of health care services including preventative care, routine physicals, immunizations, hospitalizations, and outpatient services. - =Answer>> Comprehensive care Prepaid health care plans with an emphasis on preventative care. - =Answer>> Health Maintenance Organizations (HMO'S) Group of physicians and hospitals that contract with employers, insurers, or third party organizations. Providing medical care services at a reduced fee. - =Answer>> Preferred Provider Organizations Period of time during which all members of a group health insurance plan have the opportunity to enroll in certain benefit programs. - =Answer>> Annual open enrollment Employer funded account linked to a high deductible medical plan. - =Answer>> Medical Savings Account Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
Front of an individual - =Answer>> Anterior From head to opposite end of body - =Answer>> Anteroposterior A structure that extends ( moves separately) from the main body. - =Answer>> Appendage On the opposite side. (The left arm is contralateral to the right arm. - =Answer>> Contralateral The tip of an appendage - =Answer>> Distal Back (spine) of an individual. - =Answer>> Dorsal From spinal column (back) to abdomen (front). - =Answer>> Dorosoventral Between two other structures. (The navel is intermediate between left arm and right arm) - =Answer>> Intermediate On the same side. (The left arm is ipsilateral to the left leg) - =Answer>> Ipsilateral On the same side - =Answer>> Lateral Point in the center of the body. - =Answer>> Median From the center of the body to one side or the other. - =Answer>> Mediolateral Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
A straightening movement that increases the angle between body parts. ( When standing up the knees are extended) - =Answer>> Extension A rotation of the shoulder or hip that would turn the toes or the flexed forearm outwards. - =Answer>> External Rotation Bending movement that decreases the angle between two parts. (Bending the elbow, clenching a hand into a fist) - =Answer>> Flexion A rotation of the shoulder or hip that would point the toes or the flexed forearm inwards. - =Answer>> Internal Rotation A motion involving a grasping motion of the thumb and fingers. - =Answer>> Opposition Flexion of the entire foot( Pressing an automobile pedal) - =Answer>> Plantar flexion A rotation of the forearm that moves the palm to a facing down position. - =Answer>> Pronation The anterior movement of an object. ( Applies to the jaw) - =Answer>> Protusion Anterior movement of the arms at the shoulder - =Answer>> Protraction To release an object by spreading the fingers and thumb. - =Answer>> Reposition Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
Posterior movement of the arms at the shoulder. - =Answer>> Retraction Opposite of protrusion, moving a part posteriorly. - =Answer>> Retrusion A motion that occurs when a part turns on its axis. ( Head rotates on the neck) - =Answer>> Rotation A rotation of the forearm that moves the palm to a facing up position. - =Answer>> Supination Tearing injuries to muscles. - =Answer>> Strains Tearing injuries to ligaments. - =Answer>> Sprains An injury in which the ends of the bones are forced from their normal positions. - =Answer>> Disclocation A broken bone. - =Answer>> Fracture Bruises, ligament sprain, tendon or muscle strain. - =Answer>> Soft tissue injury Persistent high arterial blood pressure. - =Answer>> Hypertension Disorder in which hemoglobin is deficient of abnormal. - =Answer>> Anemia Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
Care received without being admitted into a hospital, such as a doctor's office, clinic, or same-day, surgery center. - =Answer>> Ambulatory patient services A group health plan requires no medical examination or statement concerning a person's health. - =Answer>> Group Underwriting 100% of the eligible employees must be covered under the plan. - =Answer>> Contributory or Noncontributory A group health plan requires no medical examination or statement concerning a person's health. - =Answer>> Group Underwriting A group of persons cannot band together for the sole purpose of purchasing group health insurance coverage. - =Answer>> Incidental Coverage To be eligible for group health benefits, employees must be in a covered work classifications. - =Answer>> Benefit Eligibility This provision contained in most group health contracts is designed to prevent individuals from receiving benefits that exceed their actual expenses, profiting from coverage under multiple policies and prevent overinsurance. - =Answer>> Coordination of benefits State regulations that involve the theory of indemnification and the concept of place the insured in the same economic Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
position after a loss as the insured was prior to a loss. - =Answer>> No loss-no gain statues The ages, sex, and income of the members will affect the premium charge. - =Answer>> Composition of group Individual employer groups, multiple employer groups association groups, and customer groups. - =Answer>> Eligibility of group Laws of the state in which the policy was to the policyowner have jurisdiction. - =Answer>> Regulatory jurisdiction Group insurance policies provide for termination of benefits in the event of certain occurrences. - =Answer>> Termination of benefits can be an entity other than a duly admitted insurer, that establishes an employee benefit plan for the purpose of offering or providing accident and sickness or death benefits to the employees of at least two employers, including self-employed and their independents. - =Answer>> Multiple Employer Welfare Associations These are formed as a result of collective bargaining over benefits between a union and the employers of union members. Prohibits employers from paying funds directly to a labor union for the purpose of providing group insurance coverage to members. - =Answer>> Taft- Hartley Trusts Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
Correction of irregularities of the teeth( braces) - =Answer>> Orthodontics Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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