KENTUCKY HEALTH INSURANCE
PRACTICE SOLUTION PACK 2026
COMPLETE TESTED QUESTIONS
AND CORRECT ANSWERS GRADED
A+
◉ A. A factory worker fractures an elbow while working overtime.
Answer: Which of the following qualifies as a compensable injury under
workers compensation coverage?
A. A factory worker fractures an elbow while working overtime
B. An employee is struck by a car and seriously injured while walking
back to work following a lunch break
C. A worker is involved in an auto accident while driving to work
D. All of the above qualify
◉ C. Information and privacy protection act. Answer: Which of the
following represents certain consumer safeguards enacted by states
and pattered after a model act developed by NAIC?
A. Fair credit reporting Act
,B. the MIB
C. Information and privacy protection act
D. COBRA
◉ B. elective indemnity benefit. Answer: The optional short term
disability income benefit that pays a lump sum for specified injuries is
called the
A. hospital income benefit
B. elective indemnity benefit
C. supplemental income benefit
D. partial disability benefit
◉ B. health maintenance organization. Answer: The type of health care
provider that provides birth the health care services and the healthy
care coverage is
A. Preferred provider organization
B. Health maintenance organization
C. Blue cross/blue shield organization
D. Traditional health insurance company
,◉ B. Limited Policies. Answer: Dread disease, travel accident, vision
care, and hospital indemnity policies are all examples of
A. ltc policies
B. limited policies
C. group policies
D. blanket policies
◉ D. People with any life threatening condition. Answer: Which of the
following are NOT eligible for Medicare coverage?
A. People age 65 and older who are eligible for social security
B. People age 65 and older not eligible for social security but willing to
pay a monthly premium
C. People of any age who have been entitled to disability benefits for 24
months
D. People with any life-threatening condition
◉ D. Authorized Company. Answer: A company that I licensed to sell
insurance in a particular state is
, A. domestic
B. Alien
C. non admitted company
D. Authorized comany
◉ A. Cancel the policy. Answer: Optional Provisions 1 and 2, addressing
changes of occupation and misstatement of age, Kermit the insurer to
do which of the following?
A. Cancel the policy
B. Request the insured to fill out a new application to correct previous
misstatements or alter information that has changed since the
application was originally submitted.
C. Charge a "back-end" premium to make up for the premium the
insurer would have charged had the true situation been known.
D. Pay indemnities equal to the benefits that would have purchased at
the premium paid had the insurer known the facts when the premium
was established.
PRACTICE SOLUTION PACK 2026
COMPLETE TESTED QUESTIONS
AND CORRECT ANSWERS GRADED
A+
◉ A. A factory worker fractures an elbow while working overtime.
Answer: Which of the following qualifies as a compensable injury under
workers compensation coverage?
A. A factory worker fractures an elbow while working overtime
B. An employee is struck by a car and seriously injured while walking
back to work following a lunch break
C. A worker is involved in an auto accident while driving to work
D. All of the above qualify
◉ C. Information and privacy protection act. Answer: Which of the
following represents certain consumer safeguards enacted by states
and pattered after a model act developed by NAIC?
A. Fair credit reporting Act
,B. the MIB
C. Information and privacy protection act
D. COBRA
◉ B. elective indemnity benefit. Answer: The optional short term
disability income benefit that pays a lump sum for specified injuries is
called the
A. hospital income benefit
B. elective indemnity benefit
C. supplemental income benefit
D. partial disability benefit
◉ B. health maintenance organization. Answer: The type of health care
provider that provides birth the health care services and the healthy
care coverage is
A. Preferred provider organization
B. Health maintenance organization
C. Blue cross/blue shield organization
D. Traditional health insurance company
,◉ B. Limited Policies. Answer: Dread disease, travel accident, vision
care, and hospital indemnity policies are all examples of
A. ltc policies
B. limited policies
C. group policies
D. blanket policies
◉ D. People with any life threatening condition. Answer: Which of the
following are NOT eligible for Medicare coverage?
A. People age 65 and older who are eligible for social security
B. People age 65 and older not eligible for social security but willing to
pay a monthly premium
C. People of any age who have been entitled to disability benefits for 24
months
D. People with any life-threatening condition
◉ D. Authorized Company. Answer: A company that I licensed to sell
insurance in a particular state is
, A. domestic
B. Alien
C. non admitted company
D. Authorized comany
◉ A. Cancel the policy. Answer: Optional Provisions 1 and 2, addressing
changes of occupation and misstatement of age, Kermit the insurer to
do which of the following?
A. Cancel the policy
B. Request the insured to fill out a new application to correct previous
misstatements or alter information that has changed since the
application was originally submitted.
C. Charge a "back-end" premium to make up for the premium the
insurer would have charged had the true situation been known.
D. Pay indemnities equal to the benefits that would have purchased at
the premium paid had the insurer known the facts when the premium
was established.
