Free Senior and Special Needs Practice Questions
New York Life, Accident & Health exam (series 17-55) — 94 practice questions.
Subtopics: Medicare supplement, Long-term care partnership, Medicare supplement free look, Long-term care inflation protection, LTC renewability, LTC pre-existing limits, LTC Alzheimer's, LTC prior hospitalization, LTC nonforfeiture, LTC periods of care, LTC minimum duration, LTC replacement, LTC tax credit, Partnership plan types, Partnership 4/4/100, Medigap acceptance, Medigap rating, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicaid, Long-term care, Medicare eligibility, Part A financing, Part A benefit period, Part B enrollment, Initial enrollment period, Part D late penalty, Medicare exclusions, Medigap core benefits, Medigap duplication, LTC elimination period, LTC benefit pool, LTC inflation protection, LTC cognitive trigger, Tax-qualified LTC, Levels of care, Assisted living, Medicare Advantage, Medicare enrollment, Social Security
Read the Senior and Special Needs study guide
Sample questions & answers
1. New York Medicare supplement (Medigap) coverage generally must be offered on what basis?
Community rated with continuous open enrollment and guaranteed issue
New York requires Medicare supplement policies to be community rated and sold on a continuous open-enrollment, guaranteed-issue basis.
2. The New York State Partnership for Long-Term Care allows a buyer of a qualified policy to:
Protect assets from Medicaid spend-down for benefits the policy pays
Partnership policies let owners qualify for Medicaid while protecting assets: all assets under Total Asset plans, or an amount equal to benefits paid under Dollar-for-Dollar plans.
3. A New York Medicare supplement policy must give the policyholder a free-look right to return it for a refund of at least:
30 days
Medicare supplement policies must state that the policyholder may return the policy within 30 days of delivery for a full refund of premium.
4. New York long-term care insurance minimum standards require insurers to offer:
An inflation protection option
Insurers must offer an inflation protection option at purchase, such as benefit increases of 5% a year compounded annually.
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Practice: Senior and Special Needs
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.
