Free Group Health Insurance Practice Questions
Illinois Life, Accident & Health exam — 52 practice questions.
Subtopics: Group continuation events, Group discontinuance, Group replacement, Group discontinuance notice, State continuation, Spousal continuation, Illinois HIPAA, Characteristics, Underwriting, COBRA, Conversion, Contributory, HIPAA, Contributory plan, Experience rating, Self-funded plan, Cafeteria plan, ERISA, Eligibility and HIPAA, COBRA premium, Coordination of benefits, Medicare secondary payer, Eligible groups, Employer mandate, Small group, Federal mandates, Probationary period, Blanket and franchise, Self-funded plans, Stop-loss
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Sample questions & answers
1. Illinois group continuation generally allows a spouse to continue coverage after:
The death of or divorce from the employee
Illinois continuation rights allow a spouse to continue group coverage after the employee's death or a divorce.
2. When an Illinois group health policy is discontinued, a person totally disabled on that date is entitled to:
A reasonable extension of benefits
Section 367i requires group health policies to provide a reasonable extension of benefits for total disability on the date the policy is discontinued.
3. For group hospital and medical expense coverage, Illinois treats an extension of benefits for a totally disabled person as reasonable if it lasts until the earliest of the end of disability, the maximum benefit, or:
12 months
50 Ill. Adm. Code 2013.60(b) sets the extension at the earliest of 12 months, the date the maximum benefit is reached, or the end of total disability.
4. When one Illinois group health policy replaces another, who must the succeeding insurer cover?
Everyone covered under the prior plan, including the disabled
Section 367i requires the succeeding plan to cover all employees and dependents covered under the prior plan, including those disabled and absent from work.
All Life, Accident & Health topics
Practice: Group Health Insurance
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
