LAW D: CH 35,16 - 10 questions

Scenario A: Michelle is a registered nurse at the local hospital. Michelle bought disability insurance offered to employees at the hospital. Michelle had back surgery to repair a disk. The policy elimination period is one month. The doctor required Michelle to remain at home for one month of bed rest before beginning six months of physical therapy. Michelle could not return to work for three months.

Scenario B: Michael works for Omega Company. All employees at Omega are offered health insurance through XYZ Insurance. Omega pays the cost of Michael's major medical health insurance. Michael pays $200 per month for coverage on his wife and children through a payroll deduction plan. The plan has a $1,000 deductible. Michael's daughter, Emily, is rushed to the emergency room with stomach pains. The doctor performs surgery to remove Emily's appendix. The hospital and doctor bill totals $11,000.

Scenario C: James and Joan Smith are married. The Smiths have a whole life policy with a face amount of $100,000 on each of them. Each policy has a cash value of $5,000. The premium is $30 per month for James and $25 per month for Joan. The Smiths have three children. A rider was added to James' policy to insure each child at $10,000 for a total monthly premium of $20. Joan's single sister, Mary, lives with them and cares for the children. The Smiths do not have a will.

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