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Virginia Insurance - High-quality Virginia-Life-Annuities-and-Health-Insurance - Exam Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Score

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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Sample Questions (Q97-Q102):

NEW QUESTION # 97
When a small employer health insurance plan is offered, it must be available:

A. To all eligible employees after a 12-month waiting period
B. Only to employees who provide evidence of insurability
C. Only to employees under age 65
D. To all eligible employees who apply

Answer: D

Explanation:
Virginia Code § 38.2-3431 et seq., aligned with the ACA, requires small employer health plans (1-50 employees) to offer coverage to all eligible employees who apply, without discrimination based on health status or other factors. "Eligible" typically means full-time employees meeting the employer's criteria (e.g.,
30+ hours/week). Option A reflects this guaranteed issue mandate, ensuring broad access. Option B (12- month waiting period) is false; Virginia and federal law cap waiting periods at 90 days (Virginia Code § 38.2-
3445), not 12 months. Option C (evidence ofinsurability) contradicts guaranteed issue rules for small groups, which prohibit medical underwriting. Option D (under age 65) is incorrect; coverage extends to all eligible employees regardless of age, though Medicare coordination may apply post-65. The study guide likely stresses this inclusivity as a cornerstone of small group market reforms, making A the correct answer.

NEW QUESTION # 98
Under IRS rules, a company normally may do all of the following with funds in a qualified retirement plan EXCEPT:

A. Distribute vested funds to employees who leave
B. Invest in shares of common stocks
C. Repossess the funds for business purposes
D. Make allocations to participating shareholder-employees

Answer: C

Explanation:
Detailed Answer in Step-by-Step Solution:
* Qualified retirement plans allow investments in stocks (A), allocations to participants (B), and distributions of vested funds (C), but repossessing funds for business use (D) violates IRS rules, as funds are held in trust for employees' benefit.
The Virginia study guide, per IRS regulations, states that qualified plan assets are protected for participants and cannot be diverted for business purposes, ensuring retirement security. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."

NEW QUESTION # 99
What type of insurance pays a lump sum benefit if an insured loses sight in both eyes?

A. Accidental death and dismemberment
B. Hospital expense
C. Major medical
D. Medical expense

Answer: A

Explanation:
Detailed Answer in Step-by-Step Solution:
* Accidental death and dismemberment (AD&D) insurance (B) provides a lump sum benefit for specific losses, such as loss of sight in both eyes, due to an accident.
* Hospital expense (A) covers hospital stays, not lump sums for dismemberment.
* Major medical (C) and medical expense (D) cover healthcare costs, not specific injury benefits.
The Virginia study guide describes AD&D as providing lump sum payments for accidental death or specific injuries like loss of sight, distinct from medical expense coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Health Insurance Types."

NEW QUESTION # 100
Which benefit is usually excluded from major medical plan coverage?

A. Surgical expense
B. Hospital expense
C. Custodial care
D. Physicians' visits

Answer: C

Explanation:
Virginia Code § 38.2-3500 et seq. governs major medical plans, which cover catastrophic costs like hospital expenses (option A), physicians' visits (option C), and surgical expenses (option D). Option B (custodial care)
-non-medical assistance with daily living (e.g., bathing)-is typically excluded, as it's not "medically necessary" under standard definitions (Virginia Code § 38.2-3407.10). The study guide likely lists inclusions (A, C, D) with examples-e.g., $5,000 for surgery-versus exclusions like custodial care, covered by LTC policies instead, making B the usual exception.

NEW QUESTION # 101
If an employee in poor health is part of a large group that is acceptable for group life insurance, that employee is:

A. Eligible for coverage more limited than that of other employees
B. Eligible for the same type of coverage as other employees
C. Ineligible for coverage under the plan
D. Eligible for coverage, but on a rated basis

Answer: B

Explanation:
Group life insurance in Virginia, governed by Virginia Code § 38.2-3318 et seq., operates on a "group underwriting" basis, meaning coverage is issued to the group as a whole without individual health assessments. For large groups (typically over 10 employees, though Virginia defines "large" contextually), insurers accept the entire eligible group without requiring evidence of insurability, provided the group meets participation and eligibility standards (e.g., active employees). Option C reflects this: an employee in poor health, as part of an acceptable group, receives the same coverage as others, as health status doesn't affect eligibility or terms. Option A (ineligible) is false; group plans don't exclude based on individual health.
Option B (rated basis) applies to individual policies where substandard risks increase premiums, not group plans where risk is pooled. Option D (limited coverage) contradicts the uniformity of group coverage terms.
The study guide likely highlights this non-discriminatory feature of group life, ensuring equal benefits for all eligible members, making C the correct answer per Virginia's legal and practical framework.

NEW QUESTION # 102
......

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