Maryland Insurance Administration Updated Accident-and-Health-or-Sickness-Producer Exam Questions and Answers by malcolm

Illegal occupations (Insurance Article, § 12-101) can lead to claim denials if disability arises from illegal acts, per public policy. Disclosure isn’t mandated, waivers don’t apply, and ratings adjust risk, not legality.

References:Maryland Insurance Article, § 12-101; MIA claims policies.

Accident and health plans (Insurance Article, § 15-201) cover acute needs like hospital, physician, and surgical expenses. Custodial care—non-medical daily assistance—is excluded, typically covered by long-term care insurance.

References:Maryland Insurance Article, § 15-201; MIA health insurance standards.

Long-term care insurance (Insurance Article, § 18-101) triggers benefits based on inability to perform ADLs (e.g., bathing), unlike Medigap, major medical, or disability, which focus on medical or work criteria.

References:Maryland Insurance Article, § 18-101; MIA long-term care rules.

Disability income policies (Insurance Article, § 15-201) cover both accidents and sickness, providing broad income protection, not limited to one cause or occupational incidents.

References:Maryland Insurance Article, § 15-201; MIA disability standards.