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Accelerated Benefits - Riders attached to life insurance policies that allow death benefits to be used to cover nursing or convalescent home expenses Accidental death benefits - a policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death accidental death insurance - an insurance policy that provides payment if the insureds death is the result of an accident accumulation period - the time before an an...

Nursing home care act became effective in - 1980 State agency that enforced nursing home care act - Public health Annual license renewal for skilled and intermediate care facilities - 6 to 18 months To qualify for two year license must have - An average occupancy rate of 90% or more for previous 24 months Two year license can be issued and renewed - 18 to 30 months Term Intermediate care facility can use in their title - Nursing home Skilled and intermediate care facilities code a...

Under the Affordable Care Act, which classification applies to health plans based on the amount of covered costs? Metal level classification. Other than conditions stipulated by the Director, what is a permissible reason for an HMO to cancel or not renew an enrollee's contract? Failure to pay monthly premiums. According to the PPACA rules, what percentage of health care costs will be covered under a bronze plan? 60% Which of the following offers limited health care plans, in which som...

What are the four elements of an insurance contract? - 1. agreement- offer and acceptance 2. consideration 3. competent parties 4. legal purpose What does representation mean and how does it differ from a warranty? - representations are statements believed to be true to the best of one's knowledge. A warranty is an absolutely true statement upon which the validity of the insurance policy depends How can an insurance company use the information it obtains from the MIB? - it can use M...

First Dollar coverage - -basic medical insurance -no deductible Basic hospital expense - -policy states that the max daily room and board benefit is $500 per day for 30 days. -surgery not covered Usual Customary and reasonable (UCR) - -insurer calculates by averaging the cost of a specific surgery in a defined geographic area. -if actual charge is more, policyowner pays the difference Major medical expense plan - -designed to provide broad coverage under one policy -low benefit limit...

1. Which of the following best describes the MIB? - It's a nonprofit organization that maintains underwriting information on applicants for life and health insurance. 2. According to the rights of renewability rider for cancellable policies, all of the following are correct about the cancellation of an individual insurance policy EXCEPT - Unearned premiums are retained by insurance company. 3. In long-term care insurance, what type of care is provided with intermediate care? - Occasion...

According to the Weight of the Nation, what % obesity is linked to heredity? - 60-70% of the risks of obesity are heritable. Strategies that employers are using to mitigate the high cost of obesity related health care include - One of the things that businesses are doing is increasing the premiums for obese individuals. Some businesses are saying it's too expensive to insure people, so they are moving their sites to India and China for cheaper labor, which allows them to offload their c...

The bony structures that connect the spinous process and the transverse process are the: laminae T9-10 intervertebral disk space is found: at the level of the xiphoid process Which of the following positions will demonstrate the right intervertebral foramina of the cervical spine? LPO What type of CR angle is required for anterior oblique (LAO/RAO) positions of the cervical spine? 15 degree caudad What is the term for the inferior aspect of the coccyx? Apex Which of the following struc...

What is a telos? - Greek concept of virtue, goal, purpose, or end something that fulfills telos is a good example of the kind of thing that it is. If it fulfills telos it is good. Everything that exists has a telos What is the theory of forms? - forms are universal, unchanging. something. is good=form of the good. You have to know why something is that way. criteria or set of standards that something fits Can virtue be taught? - No, it is a divine gift Justice is a virtue, true or...

Explain the old fact/new guise physicalist response to the knowledge argument. (1) Knowledge Argument - - Frank Jackson - Mary scenario (black, white, gray room with a TV where she learns every physical detail possible) - She leaves room and experiences colors (sees a red tomato) - Objection to physicalism in favor of dualism: She does learn new things when leaving the room - Physicalism cannot explain phenomenal consciousness (the subjective experience of sensations such as color) Expla...