1|Page
NEW YORK ADJUSTER EXAM LATEST 2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
An agent who unintentionally makes misleading statements to a
prospect for replacement of accident and health insurance may
be found liable on the basis of? - ANSWER-Professional errors
and omissions
A mandatory second surgical opinion provision typically would
encourage all of the following EXCEPT? - ANSWER-Higher total
accident and health plan costs for an employer
Concurrent review is a form of utilization review that is
performed? - ANSWER-During the course of the patient's
treatment
Employer-sponsored group long-term care insurance generally
has all of the following characteristics EXCEPT? - ANSWER-
Noncancelable.
,2|Page
An electrocardiogram records the electrical activity of the:? -
ANSWER-heart
When insurers utilize provisions in dental plans such as limited
benefits for late enrollees, a reduced maximum annual benefit,
and longer eligibility periods before coverage becomes effective,
insurers are attempting to: - ANSWER-Minimize adverse selection
The insurance commissioner will deal with those who violate
insurance laws through the issuance of a cease and desist order.
If this order is ignored or violated, a penalty of _____ can be
imposed. - ANSWER-A fine of $10,000 for each violation. The
penalty is the result of violating a cease and desist order imposed
by the department of insurance. The monetary penalty in most
states is up to $10,000 for each violation. However, this may vary
from state to state. Please refer to your state law supplement to
confirm this penalty in your state.
. An insurer may represent that its investments are: - ANSWER-
Conservative. Any other representation is prohibited.
,3|Page
How are employers, employing 50 to 99 full-time employees
affected by ACA? - ANSWER-They are required to report on their
workers and health coverage in this year of 2015, but have until
the year 2016 before any employer responsibilty payments could
apply. is correct. These employers are not required to provide
The Affordable Care Act mandates all employers employing ____
or more full-time employees must provide health care insurance
for their workforce. An employer that does not comply will: -
ANSWER-50 / be required to make an employer-shared
responsibility payment to the IRS.
. Approved Medicare supplement plans must be guaranteed
renewable and:
I. The insurer may not cancel the policy solely on the basis of the
health of the insured.
II. The insurer may only cancel a policy for non-payment of
premiums or misrepresentation - ANSWER-Both I and II
, 4|Page
. All of the following are optional provisions in individual health
insurance policies, EXCEPT: - ANSWER-Notice of claim
What is the minimum size group that mandates serious mental
illness coverage be included in the health plan? - ANSWER-50 or
more employees
A joint at the wrist is referred to as the: - ANSWER-carpal
Which definition of total disability is more favorable to the
insured? - ANSWER-Own occupation
. Which of the following specifically describes a type of policy
intended to cover extended residence in a nursing home? -
ANSWER-Long term care policies
Which of the following correctly describes Medicaid? - ANSWER-
Provides medical benefits for certain low-income people, for the
disabled, and for families with dependent children
NEW YORK ADJUSTER EXAM LATEST 2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
An agent who unintentionally makes misleading statements to a
prospect for replacement of accident and health insurance may
be found liable on the basis of? - ANSWER-Professional errors
and omissions
A mandatory second surgical opinion provision typically would
encourage all of the following EXCEPT? - ANSWER-Higher total
accident and health plan costs for an employer
Concurrent review is a form of utilization review that is
performed? - ANSWER-During the course of the patient's
treatment
Employer-sponsored group long-term care insurance generally
has all of the following characteristics EXCEPT? - ANSWER-
Noncancelable.
,2|Page
An electrocardiogram records the electrical activity of the:? -
ANSWER-heart
When insurers utilize provisions in dental plans such as limited
benefits for late enrollees, a reduced maximum annual benefit,
and longer eligibility periods before coverage becomes effective,
insurers are attempting to: - ANSWER-Minimize adverse selection
The insurance commissioner will deal with those who violate
insurance laws through the issuance of a cease and desist order.
If this order is ignored or violated, a penalty of _____ can be
imposed. - ANSWER-A fine of $10,000 for each violation. The
penalty is the result of violating a cease and desist order imposed
by the department of insurance. The monetary penalty in most
states is up to $10,000 for each violation. However, this may vary
from state to state. Please refer to your state law supplement to
confirm this penalty in your state.
. An insurer may represent that its investments are: - ANSWER-
Conservative. Any other representation is prohibited.
,3|Page
How are employers, employing 50 to 99 full-time employees
affected by ACA? - ANSWER-They are required to report on their
workers and health coverage in this year of 2015, but have until
the year 2016 before any employer responsibilty payments could
apply. is correct. These employers are not required to provide
The Affordable Care Act mandates all employers employing ____
or more full-time employees must provide health care insurance
for their workforce. An employer that does not comply will: -
ANSWER-50 / be required to make an employer-shared
responsibility payment to the IRS.
. Approved Medicare supplement plans must be guaranteed
renewable and:
I. The insurer may not cancel the policy solely on the basis of the
health of the insured.
II. The insurer may only cancel a policy for non-payment of
premiums or misrepresentation - ANSWER-Both I and II
, 4|Page
. All of the following are optional provisions in individual health
insurance policies, EXCEPT: - ANSWER-Notice of claim
What is the minimum size group that mandates serious mental
illness coverage be included in the health plan? - ANSWER-50 or
more employees
A joint at the wrist is referred to as the: - ANSWER-carpal
Which definition of total disability is more favorable to the
insured? - ANSWER-Own occupation
. Which of the following specifically describes a type of policy
intended to cover extended residence in a nursing home? -
ANSWER-Long term care policies
Which of the following correctly describes Medicaid? - ANSWER-
Provides medical benefits for certain low-income people, for the
disabled, and for families with dependent children
