North Carolina dental board exam, NC dental
jurisprudence, dental laws NC, infection control exam,
dental ethics and regulations, NC dental licensure,
dental board prep 2025/2026
Question:1
When Linda suffered a broken hip, she notified her agent, in writing, within 12
days of the loss. However, her agent did not notify the insurance company until
60 days after the loss. Which of the following statements correctly explains how
this claim would be handled?
A. The insurer is considered to be notified since the notification to agent equals
notification to the insurer
B. The insurer may delay the payment of this claim for up to 6 months
C. The insurer may settle this claim for less than it otherwise would have had the
notification been provided in a timely manner
D. The insurer may deny the claim since it was not notified within the required 20
day time frame - ANSWER-A.
Question:2
While repairing the roof of his house an insured accidentally falls off and breaks
his arm and sustains a head injury that results in total blindness of both eyes. His
policy contains an Accidental Death & Dismemberment Rider. What is the extent
of benefits that he will receive?
A. Reciprocal Amount
B. Principal Sum
C. Capital Sum
1|Page
,D. 50% of the Principal - ANSWER-B.
Question:3
Which of the following is true regarding inpatient hospital care for HMO
members?
A. Inpatient hospital care is not part of HMO services
B. Care can be provided outside of the service area
C. Can can only be provided in the service area
D. Services for treatment of mental disorders are unlimited - ANSWER-B.
Question:4
As it pertains to group health insurance, the continuation provision stipulates that
A. Terminated employees may convert to an individual policy only upon proof of
insurability
B. Group coverage must be extended for terminated employees up to a certain
period of time at the employers expense
C. Group coverage must be extended for terminated employees up to a certain
period of time at the employees expense
D. Retiring employees must be allowed to convert their group coverage to
individual policies - ANSWER-C.
Question:5
All of the following apply to short term disability plans EXCEPT
A. Individual plans can provide benefit periods of up to 2 years
B. A benefit period of 26 weeks is most common for group plans
C. Both group and individual plans are renewable
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,D. Group plans can provide benefit periods of up to 52 weeks - ANSWER-C.
Question:6
Which describes the features of a comprehensive major medical policy?
A. There is no coinsurance
B. Basic medical expense benefits are provided in single package
C. The deductible is always expressed as a deferred amount
D. It is the same as major medical insurance - ANSWER-B.
Question:7
If an insurer accepts premium payments by credit card, who is responsible for
paying the fees charged by a credit card company?
A. Credit card company
B. Insurer accepting payment
C. Policy owners, as part of premium
D. Insured - ANSWER-B.
Question:8
When a disabled dependent child reaches the age limit for coverage, how long
does the policyowner have to provide proof of dependency in order for the
dependent to remain covered under the policy?
A. 15 days
B. 31 days
C. 60 days
D. 10 days - ANSWER-B.
3|Page
, Question:9
If a licensee is convicted of a criminal violation , the licensees insurance license is?
A. Suspended after hearing
B. Automatically suspended
C. Automatically revoked
D. Not affected - ANSWER-B.
Question:10
All of the following are differences between Individual and group health insurance
EXCEPT
A. In individual policies, the individual selects coverage options, while in a group
plan all employees are covered for the same coverage which is chosen by
employer
B. Individual coverage can be written on an occupation or no occupational basis
C. Individual policies are renewable, while group terminates when the individual
leaves
D. Individual insurance does not require medical examinations, while group
insurance does not require medical examinations - ANSWER-D.
Question:11
A licensee decides to terminate his residency in the state. Which of the following
would be an appropriate action?
A. Delivering the license to the commissioner within 30 days
B. Allowing the license to expire
C. Notifying the NAIC
4|Page
jurisprudence, dental laws NC, infection control exam,
dental ethics and regulations, NC dental licensure,
dental board prep 2025/2026
Question:1
When Linda suffered a broken hip, she notified her agent, in writing, within 12
days of the loss. However, her agent did not notify the insurance company until
60 days after the loss. Which of the following statements correctly explains how
this claim would be handled?
A. The insurer is considered to be notified since the notification to agent equals
notification to the insurer
B. The insurer may delay the payment of this claim for up to 6 months
C. The insurer may settle this claim for less than it otherwise would have had the
notification been provided in a timely manner
D. The insurer may deny the claim since it was not notified within the required 20
day time frame - ANSWER-A.
Question:2
While repairing the roof of his house an insured accidentally falls off and breaks
his arm and sustains a head injury that results in total blindness of both eyes. His
policy contains an Accidental Death & Dismemberment Rider. What is the extent
of benefits that he will receive?
A. Reciprocal Amount
B. Principal Sum
C. Capital Sum
1|Page
,D. 50% of the Principal - ANSWER-B.
Question:3
Which of the following is true regarding inpatient hospital care for HMO
members?
A. Inpatient hospital care is not part of HMO services
B. Care can be provided outside of the service area
C. Can can only be provided in the service area
D. Services for treatment of mental disorders are unlimited - ANSWER-B.
Question:4
As it pertains to group health insurance, the continuation provision stipulates that
A. Terminated employees may convert to an individual policy only upon proof of
insurability
B. Group coverage must be extended for terminated employees up to a certain
period of time at the employers expense
C. Group coverage must be extended for terminated employees up to a certain
period of time at the employees expense
D. Retiring employees must be allowed to convert their group coverage to
individual policies - ANSWER-C.
Question:5
All of the following apply to short term disability plans EXCEPT
A. Individual plans can provide benefit periods of up to 2 years
B. A benefit period of 26 weeks is most common for group plans
C. Both group and individual plans are renewable
2|Page
,D. Group plans can provide benefit periods of up to 52 weeks - ANSWER-C.
Question:6
Which describes the features of a comprehensive major medical policy?
A. There is no coinsurance
B. Basic medical expense benefits are provided in single package
C. The deductible is always expressed as a deferred amount
D. It is the same as major medical insurance - ANSWER-B.
Question:7
If an insurer accepts premium payments by credit card, who is responsible for
paying the fees charged by a credit card company?
A. Credit card company
B. Insurer accepting payment
C. Policy owners, as part of premium
D. Insured - ANSWER-B.
Question:8
When a disabled dependent child reaches the age limit for coverage, how long
does the policyowner have to provide proof of dependency in order for the
dependent to remain covered under the policy?
A. 15 days
B. 31 days
C. 60 days
D. 10 days - ANSWER-B.
3|Page
, Question:9
If a licensee is convicted of a criminal violation , the licensees insurance license is?
A. Suspended after hearing
B. Automatically suspended
C. Automatically revoked
D. Not affected - ANSWER-B.
Question:10
All of the following are differences between Individual and group health insurance
EXCEPT
A. In individual policies, the individual selects coverage options, while in a group
plan all employees are covered for the same coverage which is chosen by
employer
B. Individual coverage can be written on an occupation or no occupational basis
C. Individual policies are renewable, while group terminates when the individual
leaves
D. Individual insurance does not require medical examinations, while group
insurance does not require medical examinations - ANSWER-D.
Question:11
A licensee decides to terminate his residency in the state. Which of the following
would be an appropriate action?
A. Delivering the license to the commissioner within 30 days
B. Allowing the license to expire
C. Notifying the NAIC
4|Page
