Free Massachusetts Accident & Health practice questions

Answer: C. 21 years of age or more

Section 172 allows the commissioner to license a suitable person who is 21 or older, who has passed a written examination and who files a sworn written application. The statute names 21, not 18 or 25. Passing the examination does not replace the age requirement, because the age and the examination are separate conditions of the same license.

Answer: A. On June 30 of each year, renewable on written application

The Fourth clause of section 151 provides that a foreign company's license expires on June 30 each year unless revoked or suspended sooner, and the commissioner may renew it on or before that date on the company's written application. December 31 and the issue-date anniversary are not the statutory date, and renewal is not automatic. A 3-year term describes a different Massachusetts license, the public insurance adjuster license under section 172, not an admitted company's license.

Answer: B. It expires 3 years from its date, and renewal requires no new exam

Section 172 provides that a public insurance adjuster license expires 3 years from its date unless revoked or suspended sooner, and that it may be renewed for each following 3-year period without an additional written examination. The section separately conditions renewal on certification of 15 hours of approved continuing education. A 1-year or 2-year term does not match the statute, and requiring a new examination at each renewal contradicts its express statement that none is needed.

Answer: C. One year after the end of each underwriting period, once reserves are verified

Section 177S(j) holds back a manager's share of interim profits on property business until one year after each underwriting period ends, and also until the adequacy of reserves on remaining claims has been verified under section 177U(C). Five years is the waiting period the same subsection sets for casualty business, not property. Six months is not a profit-sharing period in the section. Payment at the close of the period, before reserves are checked, ignores both the waiting period and the reserve verification.

Answer: D. The ten years before the date of the application

Section 177O(D)(1) requires the written application to give the applicant's current name, age, residence and occupation, and also the applicant's residences, occupations and all business affiliations over the ten years before the application date. Three years is a different requirement in the same subsection: it is how long the applicant must have held an agent or broker license, not the span of the history. Neither a five-year span nor a lifetime history appears in the section.

Answer: B. At least once in every three years

Section 6 of chapter 176A requires the commissioner to visit each nonprofit hospital service corporation at least once in three years, and also whenever he considers it prudent, to examine its financial condition, its ability to meet its obligations, its compliance with the law and its dealings with subscribers. An annual visit is not the minimum the section sets. A five-year interval is longer than the section allows. The section separately lets the commissioner investigate subscriber complaints, but the three-year examination duty does not depend on one.

Answer: D. 24 visits

Section 47B(e) requires such a policy to provide medically necessary benefits for these remaining mental disorders for at least 24 outpatient visits during each 12-month period, alongside a separate inpatient floor. Twelve and 20 visits fall below that minimum, and 36 is not the floor the subsection names.

Answer: B. At least 15 days before imposing the denial

When a retroactive denial rests on an expectation that a different payer, outside the insurer and the entities it contracts with to manage benefits, will pay for the services, the insurer must notify the provider at least 15 days before it imposes the denial. The notice must come before the denial, so notice given after it is too late. The statute sets 15 days, not 30 or 45.

Answer: D. 30 days

Under Sec. 162R(b), when the commissioner denies an application or nonrenews a producer license, the commissioner must tell the applicant or licensee the reason in writing. The applicant or licensee then has 30 days to make a written demand for a hearing before the commissioner on the reasonableness of that action, and the hearing is held under chapter 30A. Ten, 20 and 60 days are not the period Sec. 162R(b) allows.

Answer: B. The semiannual premium policy only

The statutory grace period minimums turn on premium mode: at least 7 days for weekly premium policies, at least 10 days for monthly premium policies, and at least 31 days for all other policies. A semiannual policy is neither weekly nor monthly, so it falls in the all-other group and needs at least 31 days; 14 days is too short for it. Fourteen days clears both the 7-day weekly floor and the 10-day monthly floor, so the weekly and monthly policies comply, which rules out every answer that names either of them.