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St. John’s University
(New York, NY)
[Risk Management and Insurance Program.]
State Insurance Claims Adjusters Certification
New York, NY Claims Adjuster Exam
Course Title and Number: Claims Adjuster Exam Exam Title: Board Exam Exam Date: Exam 2024- 2025 Instructor: [Insert Instructor’s Name] Student Name: [Insert Student’s Name] Student ID: [Insert Student ID]
Examination
180 minutes
Instructions:
- Read each question carefully.
- Answer all questions.
- Use the provided answer sheet to mark your responses.
- Ensure all answers are final before submitting the exam.
- Please answer each question below and click Submit when you have completed the Exam.
- This test has a time limit, The test will save and submit automatically when the time expires
- This is Exam which will assess your knowledge on the course Learning Resources.
Good Luck!
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State Insurance Claims Adjusters Certification 2024- New York N.Y Independent Insurance Adjuster Series 17- Exam Accident & Health (Life.) Insurance Review Questions and Answers | 100% Pass Guaranteed | Graded A+ | Read All Instructions Carefully and Answer All the Questions Correctly Good Luck: - When a person is believed to have violated the New York insurance code, the Superintendent will serve the accused a statement of charges and a notice of a hearing. When must the hearing be held? - =Answer>> 10 days after the notice is served Statements made by an applicant for an insurance policy which are supposed to be true are referred to as: - =Answer>> Representations An act of deliberate deceit with the intent to take property of another or take unfair advantage of another is: - =Answer>> Fraud Misrepresentation - =Answer>> Leading a client to believe that a policy contains benefits that it does not contain. A temporary adjuster license can be issued by the Superintendent for _____ days. - =Answer>> 120 A person that has been found to be in violation of unfair or deceptive acts can be find up to ______ for each offence. - =Answer>> $500. Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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double indemnity - =Answer>> provides for payment of twice the face amount of the policy in the event of the accidental death of the insured. ERISA - =Answer>> requires plans to provide participants with plan information about plan features and funding, provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to obtain benefits An electrocardiogram records the electrical activity of the - =Answer>> heart Carpal Tunnel Syndrome is an example of a - =Answer>> Repetitive Motion Injury Emphysema is a disease of - =Answer>> Lungs Electromyography - =Answer>> a medical procedure that measures muscle response to nerve stimulation How many bones make up the human skeleton - =Answer>> 206 A medical report referencing a fracture of the right maxillae tells you that this is a fracture of the right - =Answer>> cheek bone A medical report referencing a micro-fracture of the T- vertebrae tells you that this is specifically a - =Answer>> Small fracture of the sixth thoracic vertebrae Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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An injury to the coccyx indicates an injury to - =Answer>> The tailbone Plantar flexion occurs at what part of the body? - =Answer>> Ankle Circumduction - =Answer>> An anatomical term referring to the circular movement of a body part, such as a ball and socket joint is known as Comminuted fracture - =Answer>> a type of fracture in which the bone is broken into more than two pieces or crushed MRI - =Answer>> a test that provides pictures of organs and structures inside the body by using a magnetic field and pulses of radio wave energy Internal Rotation - =Answer>> a rotation of the shoulder or hip that would point the toes or the flexed forearm inwards A policy owner suffers an injury that renders him incapable of performing one or more important jo duties. Any decrease in income resulting from this injury would make him eligible for benefits under which provision? - =Answer>> A: Partial disability 部分残疾 Disability policies MOST often pay benefits in the form of - =Answer>> B: periodic income 定期收入 Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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How many days after a accident and health policy has been reinstated is there coverage for sickness? - =Answer>> D: 10 days 10 天 A 65-year-old employee who works for an employer with 24 employees is disabled on the job. The employee has fully recovered and returned to word to work. Which health coverage is primary? - =Answer>> C: worker's compensation 工伤赔偿 Group long-term disability benefit amounts are usually limited to what percentage of the participant's income? - =Answer>> B: 60 Under New York's cybersecurity regulation, multi-factor authentication would NOT include the use of a - =Answer>> D: text message on a smartphone 智能手机上的短信 Insurance plans that are terminated for an entire group, generally allow an extension of benefits to which type of employee? - =Answer>> D: laid off 遣散了 Which of the following is a primary consideration in replacing a health insurance policy? - =Answer>> C: the limitations and exclusions in the new policy 新政策中的限制 和排除 The purpose of Medicare Supplement Insurance is to address gaps in Medicare coverage, which can include - Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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=Answer>> A: Medicare in-hospital deductible (Medicare 住院 自付额) A plan is designed to provide coverage that is actuarially equivalent to 80% of the full actuarial value of the benefits provided under the plan. What type of plan is this? - =Answer>> A: Gold 黄金计划 If there is a conflict between a policy provision and state statutes the policy - =Answer>> B: must meet minimum statute requirements 必须满足最低法规要求 Sam gets a new job with a small employer and enrolls in a health benefit plan that includes dependent coverage. Sam's 6-year-old daughter has Type-1 Diabetes and is on an insulin pump. When will claims related to her pre-existing condition be covered? - =Answer>> A: immediately 马上 An insurer's intentional relinquishment of a known right is - =Answer>> A: a waiver 弃权 The following statement refers to which type of clause? "We have issued the policy in consideration of the representations in your applications and payment of the first-term premium." - =Answer>> B: A consideration clause 考 虑條款 Which of the following is NOT included in an entire contract provision? - =Answer>> A: unapproved changes made by the agent 代理进行的未经批准的更改 Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Flexion - =Answer>> a bending movement that decreases the angle between two parts Protrusion - =Answer>> often applied to the jaw, is the anterior movement of an object Raising the arms laterally, to the sides, is an example of - =Answer>> Abduction Tachycardia - =Answer>> The excessive rapidity in the action of the heart usually applied to a heart rate above 100 per minute The New York Superintendent of Insurance is - =Answer>> Appointed by the governor of New York The primary responsibility of the Superintendent of Insurance is - =Answer>> Enforcing the state insurance laws and regulations. An independent adjuster - =Answer>> A person who acts on behalf of an insurer in investigating and adjusting claims and/ or performing any duties required by the insurer. A public adjuster - =Answer>> A person who acts on behalf of an insured in negotiating the settlement of certain claims for loss or damage to property. Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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The qualifications for obtaining a New York Accident & Health Adjuster license are: - =Answer>> Must be 18, submit to finger printing, and must be approved by at least five reputable citizens of the community Following the occurrence of a legitimate, within what period of time can an insured bring legal action against the insurer for failure to promptly and properly settle the claim? - =Answer>> Within two years after the inception of the loss Failing to acknowledge reasonable communication with respect to claims arising out of policies is an example of: - =Answer>> Unfair claims practices New York residents securing any type of insurance adjuster license must meet the following qualifications: - =Answer>> Pass the state licensing examination, maintain a $1,000. surety bond. A policy holder must give notice of a claim within _________ or as soon as reasonably possible. - =Answer>> 20 days New York independent adjuster - =Answer>> acts on behalf of an insurer New York public adjuster - =Answer>> acts on behalf of the insured The amount of bond required to be filed by an adjuster with the state of New York is: - =Answer>> $1,000. Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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