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Life and Health Insurance Producer Exam

Long-term care (MA): practice questions

Our Life & Health Insurance bank has 5 questions on this topic. Here are 3 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Massachusetts

What is the longest preexisting condition limitation an individual Massachusetts long-term care policy may impose?

  1. Twenty-four months from issue
  2. Six months from the effective date
  3. Three months after the first claim
  4. Twelve months from the effective date
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B. Six months from the effective date — 211 CMR 65.05(3)(a)2.

Question 2 · Massachusetts

A Massachusetts long-term care policy lapses, and the insured is shown to have been cognitively impaired before the grace period ended. Within what time may reinstatement be requested?

  1. Five months after termination
  2. 30 days after the notice of lapse
  3. One year after the policy terminated
  4. 90 days after the lapse notice is mailed
Show the answer

A. Five months after termination — 211 CMR 65.10(3).

Question 3 · Massachusetts

What is the longest elimination period an individual Massachusetts long-term care policy may contain?

  1. 90 days
  2. 730 days after the first claim
  3. 365 days
  4. 180 days
Show the answer

C. 365 days — 211 CMR 65.05(2)(a)1.

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