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NY INDEPENDENT ACCIDENT AND HEALTH
INSURANCE ADJUSTER 2026 EXAM SERIES
17-63 COMPLETE (249) CURRENT TESTING
QUESTIONS AND DETAILED CORRECT
ANSWERS|TOP-RATED A+.
INSURANCE
Prepare for the NY Independent Accident and Health Insurance
Adjuster Exam with this concise study resource covering
insurance adjusting principles, accident and health policies, and
exam-style questions. It reinforces key concepts and improves
test readiness. Suitable for individuals preparing for insurance
adjuster licensing exams in New York.
A policy available to business owners that will provide
payment for normal business expenses in the event that the
owner is disabled, best describes: ✓ ✓ ...... ANSWER .......
Business Overhead Expense
Ben buys a disability policy May 1st with a waiver of premium
rider and then becomes disabled June 1st. It is determined
he is permanently totally disabled on July 1st and he
receives his first benefit payment on July 15th. When does
, Page 2 of 18
the waiver of premium provision start: ✓ ✓ ...... ANSWER
....... June 1st
A Business Overhead Expense policy will pay all of the
following if a business owner becomes totally disabled,
EXCEPT: ✓ ✓ ...... ANSWER ....... Loss of the owner's
income
Which statement is usually true about the benefits of a
group Short-term Disability Income policy: ✓ ✓ ......
ANSWER ....... They are not payable for accidents covered
by Workers' Compensation
Which of the following is true about a presumptive disability:
✓ ✓ ...... ANSWER ....... It is a disability that generally will
cause the insured to no longer have to prove total disability
Which of the following would be considered a presumptive
disability: ✓ ✓ ...... ANSWER ....... Loss of sight
Carlos Rivera is involved in a two-car accident in which he is
disabled, and his passenger and the other driver are injured.
, Page 3 of 18
Which would most likely be covered by his Disability Income
policy: ✓ ✓ ...... ANSWER ....... His lost income
Which of the following is an eligibility requirement for Social
Security Disability Income benefits: ✓ ✓ ...... ANSWER
....... Fully insured status
If an individual becomes totally and permanently disabled,
Social Security Disability benefits may begin after: ✓ ✓ ......
ANSWER ....... Five months
To be eligible for benefits under the Waiver of Premium
Provision, the insured must: ✓ ✓ ...... ANSWER ....... Be
under a physician's care
In a disability policy, the Probationary Period Provision refers
to the period: ✓ ✓ ...... ANSWER ....... During which a pre-
existing illness is excluded from coverage
The section of a health policy that states the causes of
eligible loss under which an insured is assumed to be
disabled is the: ✓ ✓ ...... ANSWER ....... Insuring Clause
NY INDEPENDENT ACCIDENT AND HEALTH
INSURANCE ADJUSTER 2026 EXAM SERIES
17-63 COMPLETE (249) CURRENT TESTING
QUESTIONS AND DETAILED CORRECT
ANSWERS|TOP-RATED A+.
INSURANCE
Prepare for the NY Independent Accident and Health Insurance
Adjuster Exam with this concise study resource covering
insurance adjusting principles, accident and health policies, and
exam-style questions. It reinforces key concepts and improves
test readiness. Suitable for individuals preparing for insurance
adjuster licensing exams in New York.
A policy available to business owners that will provide
payment for normal business expenses in the event that the
owner is disabled, best describes: ✓ ✓ ...... ANSWER .......
Business Overhead Expense
Ben buys a disability policy May 1st with a waiver of premium
rider and then becomes disabled June 1st. It is determined
he is permanently totally disabled on July 1st and he
receives his first benefit payment on July 15th. When does
, Page 2 of 18
the waiver of premium provision start: ✓ ✓ ...... ANSWER
....... June 1st
A Business Overhead Expense policy will pay all of the
following if a business owner becomes totally disabled,
EXCEPT: ✓ ✓ ...... ANSWER ....... Loss of the owner's
income
Which statement is usually true about the benefits of a
group Short-term Disability Income policy: ✓ ✓ ......
ANSWER ....... They are not payable for accidents covered
by Workers' Compensation
Which of the following is true about a presumptive disability:
✓ ✓ ...... ANSWER ....... It is a disability that generally will
cause the insured to no longer have to prove total disability
Which of the following would be considered a presumptive
disability: ✓ ✓ ...... ANSWER ....... Loss of sight
Carlos Rivera is involved in a two-car accident in which he is
disabled, and his passenger and the other driver are injured.
, Page 3 of 18
Which would most likely be covered by his Disability Income
policy: ✓ ✓ ...... ANSWER ....... His lost income
Which of the following is an eligibility requirement for Social
Security Disability Income benefits: ✓ ✓ ...... ANSWER
....... Fully insured status
If an individual becomes totally and permanently disabled,
Social Security Disability benefits may begin after: ✓ ✓ ......
ANSWER ....... Five months
To be eligible for benefits under the Waiver of Premium
Provision, the insured must: ✓ ✓ ...... ANSWER ....... Be
under a physician's care
In a disability policy, the Probationary Period Provision refers
to the period: ✓ ✓ ...... ANSWER ....... During which a pre-
existing illness is excluded from coverage
The section of a health policy that states the causes of
eligible loss under which an insured is assumed to be
disabled is the: ✓ ✓ ...... ANSWER ....... Insuring Clause
