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NEW QUESTION # 144
Employer-paid premiums for qualified long-term care insurance are:
Answer: B
Explanation:
Detailed Answer in Step-by-Step Solution:
* Employer-paid premiums for qualified long-term care insurance are treated as a business expense and are tax-deductible for the employer (B), provided the plan meets IRS requirements.
* These premiums are not included in the employee's gross income (A), as they are tax-exempt benefits under IRC Section 106.
* Employees cannot deduct these premiums (C) since they are employer-paid.
* Reimbursement (D) does not apply.
The Virginia study guide, aligned with IRS rules, notes that employer-paid premiums for qualified long-term care insurance are deductible as a business expense and excluded from employees' taxable income.
Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Taxation of Insurance Benefits."
NEW QUESTION # 145
Claims settlement practices of insurers are regulated by:
Answer: A
Explanation:
Virginia Code § 38.2-510 regulates unfair claim settlement practices, enforced by the State Corporation Commission's Bureau of Insurance-a state insurance department (option D). This includes timely claim processing and fair payment, with penalties for violations. Option A (IRS) oversees tax compliance, not insurance claims. Option B (NAIC) develops model laws and guidelines (e.g., Unfair Claims Settlement Practices Act), but lacks enforcement power; states adopt and regulate these standards. Option C (claims adjusters) are practitioners, not regulators. The study guide likely emphasizes Virginia's Bureau as the authority, citing examples like investigating delayed claims, aligning with state-level oversight under § 38.2-
200 et seq., making D the correct regulator.
NEW QUESTION # 146
A qualified plan participant elected a trustee-to-trustee transfer of rollover funds instead of personally receiving the funds and then rolling them over. This election permits the participant to:
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* A trustee-to-trustee transfer (A) avoids the 20% mandatory tax withholding required when funds are distributed to the participant and rolled over within 60 days.
* Options B (lost funds) and C (time) are incidental, not primary benefits. Option D (penalty tax) is irrelevant; rollovers aren't penalized if timely.
The Virginia study guide, per IRS rules, notes that direct trustee-to-trustee transfers bypass withholding, preserving the full amount for reinvestment. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Retirement Plans."
NEW QUESTION # 147
One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:
Answer: D
Explanation:
Detailed Answer in Step-by-Step Solution:
* A continuous premium whole life policy requires premiums for the insured's lifetime (A), while a limited payment policy has a set payment period (e.g., 20 years).
* Settlement options (B), mortality tables (C), and dividends (D) are similar across both types.
The Virginia study guide distinguishes continuous premium whole life (lifelong payments) from limited payment whole life (fixed-term payments), both providing permanent coverage. Reference: Virginia Life, Annuities, and Health Insurance study guide, section on "Whole Life Insurance."
NEW QUESTION # 148
The information which gives an insurer necessary personal data regarding an individual and helps determine whether the individual can be insured under an individual health insurance policy is contained in the:
Answer: B
Explanation:
Virginia Code § 38.2-3501 requires individual health insurance policies to incorporate the application as part of the contract, as it contains critical personal data (e.g., name, age, medical history) used to determine insurability (option C). This document-completed by the applicant and agent-details health conditions, lifestyle factors (e.g., smoking), and other risk indicators the underwriter evaluates-e.g., a 30-year-old with asthma noted for rating. Option A (enrollment form) applies to group health plans, not individual policies, where employees join a pre-set plan. Option B (policy schedule) summarizes coverage (e.g., limits, premiums) after issuance, not initial data for underwriting. Option D (agent's statement) may supplement the application with observations, but it's not the primary source; the application itself holds the insured's data.
The study guide likely highlights the application's role in a health insurance section, with examples-e.g., a question about prior hospitalizations triggering a premium adjustment-making C the key document, per Virginia's legal requirement that it be attached to the policy (§ 38.2-3503) for transparency and enforceability.
NEW QUESTION # 149
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