17 Free Washington Disability Producer Exam Practice Questions (2026)

Question 1 (Chapter 2)

A Washington resident purchases an individual accident and health policy. According to RCW 48.20.013, what is the minimum free look period that must be provided for this type of policy?

• A) 5 days
• B) 20 days
• C) 30 days
• D) 10 days

Question 2 (Chapter 2)

Under Washington law (RCW 48.44.220), which of the following practices is prohibited by health care service contractors and health maintenance organizations?

• A) Denying enrollment based on a member's health status.
• B) Offering wellness programs to members.
• C) Charging higher premiums for members who use tobacco.
• D) Requiring copayments for office visits.

Question 3 (Chapter 2)

A Washington resident enrolls in a Health Care Service Contractor (HCSC) plan. Shortly after, they have a newborn child. According to RCW 48.46.250, what does Washington law require regarding coverage for this newborn child under the HCSC plan?

• A) The newborn child is only covered if the parents pay an additional premium within 10 days of birth.
• B) The newborn child must be covered from the moment of birth, without additional premium for the first 31 days.
• C) The newborn child is covered only after a 30-day waiting period from birth.
• D) The HCSC has the option to offer coverage for the newborn, but it is not mandatory.

Question 4 (Chapter 4)

Which of the following statements accurately describes the difference between accidental injury and sickness as defined in health insurance policies?

• A) Accidental injury is caused by external, violent, and unforeseeable events, while sickness refers to illness or disease.
• B) Accidental injury requires hospitalization, while sickness does not.
• C) Sickness benefits are only payable if the illness is work-related, whereas accidental injury covers non-work incidents.
• D) There is no difference; the terms are used interchangeably in policies.

Question 5 (Chapter 4)

An insurance producer is reviewing premium payment options with a client. The client selects monthly payments instead of annual. Which statement accurately describes the financial impact of this choice?

• A) Monthly payments reduce the total cost due to lower administrative burden.
• B) Monthly payments typically increase the total cost due to installment fees.
• C) The total cost remains identical regardless of payment frequency.
• D) Monthly payments allow the insurer to invest premiums more effectively, lowering the net cost.

Question 6 (Chapter 7)

An individual disability income policy in Washington includes a cost of living (COL) rider. Which of the following best describes how this rider functions?

• A) It allows the insured to purchase additional coverage at a later date without evidence of insurability.
• B) It waives premiums if the insured becomes totally disabled.
• C) It provides a lump-sum payment if the disability is deemed permanent and total.
• D) It increases the monthly benefit amount annually based on changes in the Consumer Price Index to offset inflation.

Question 7 (Chapter 7)

A Washington resident purchases an individual disability income policy with a future increase option (FIO) rider. Two years later, the insured's income has increased significantly. They wish to increase their disability benefit to match their current earnings. What must the insured do to exercise this rider?

• A) Submit proof of increased income and undergo a new medical examination.
• B) Wait until the policy anniversary and automatically receive an increase based on inflation.
• C) Cancel the current policy and purchase a new one with a higher benefit amount.
• D) Submit a request to increase the benefit, typically on a policy anniversary, without evidence of insurability.

Question 8 (Chapter 7)

A Washington resident becomes disabled and qualifies for benefits under their individual disability income policy. The disability is expected to last indefinitely and prevents them from performing any gainful occupation for which they are reasonably suited by education, training, or experience. How would this disability most likely be classified?

• A) Partial disability
• B) Total disability (any occupation)
• C) Residual disability
• D) Recurrent disability

Question 9 (Chapter 7)

In Washington, an individual accident and health policy contains a provision stating that the insured may change the beneficiary at any time, subject to the insurer's receipt of a written request. What type of beneficiary designation does this describe?

• A) Revocable beneficiary
• B) Irrevocable beneficiary
• C) Contingent beneficiary
• D) Primary beneficiary

Question 10 (Chapter 7)

Under Washington state law, which of the following statements about the probationary period in an individual accident and health policy is correct?

• A) The probationary period delays coverage for sickness for a short time after the policy is issued, while accidental injuries are covered immediately.
• B) The probationary period applies only to accident coverage, not sickness.
• C) The probationary period must be the same length for both accident and sickness coverage.
• D) The probationary period is a uniform required provision that must be included in every policy.

Question 11 (Chapter 7)

Under an individual disability income policy in Washington, the insured becomes totally disabled and begins receiving monthly benefits. The policy includes a social insurance rider that provides an additional benefit if the insured also qualifies for Social Security Disability Insurance (SSDI). Two years after disability onset, the insured is approved for SSDI. How does the social insurance rider typically function in this scenario?

• A) The rider reduces the policy's monthly benefit by the amount of the SSDI payment to avoid overinsurance.
• B) The rider increases the policy's monthly benefit by a fixed percentage until SSDI is awarded, then terminates.
• C) The rider provides an additional monthly benefit equal to the difference between the policy's benefit and the SSDI amount, up to a maximum.
• D) The rider waives the policy's premium if SSDI is awarded, but does not affect the disability benefit.

Question 12 (Chapter 8)

A Washington resident is enrolled in an HMO plan that requires a referral from their primary care physician to see a specialist. The resident visits a dermatologist without obtaining a referral and submits the claim for reimbursement. What is the most likely outcome?

• A) The claim will be paid in full because the service was medically necessary.
• B) The claim will be denied because the resident did not follow the HMO's gatekeeper requirement.
• C) The claim will be paid at 80% as an out-of-network benefit.
• D) The claim will be paid, but the resident will be charged a higher copayment for self-referral.

Question 13 (Chapter 8)

A Washington-based employer with 25 employees offers a group health plan. An employee terminates employment and elects COBRA continuation coverage. How long can the employee maintain COBRA coverage if the termination is not due to gross misconduct?

• A) 18 months
• B) 12 months
• C) 24 months
• D) 36 months

Question 14 (Chapter 8)

A Washington resident is eligible for Medicare due to end-stage renal disease (ESRD). Which statement about their Medicare eligibility and coverage is correct?

• A) Medicare coverage typically begins the third month after a course of dialysis starts.
• B) They are automatically enrolled in Medicare Part A and Part B, but must wait 30 days before coverage begins.
• C) They can enroll in Medicare Part C (Medicare Advantage) immediately upon diagnosis of ESRD.
• D) They are ineligible for Medicare Supplement (Medigap) plans due to their ESRD diagnosis.

Question 15 (Chapter 8)

A Washington resident is enrolled in a Medicare Advantage (Part C) plan. Which statement about Medicare Advantage plans is accurate?

• A) Medicare Advantage plans are prohibited from offering prescription drug coverage.
• B) Enrollees in Medicare Advantage plans must also purchase a Medicare Supplement (Medigap) policy.
• C) Medicare Advantage plans are administered directly by the federal government without private company involvement.
• D) Medicare Advantage plans must cover all services that Original Medicare covers, but may charge different copayments, coinsurance, and deductibles.

Question 16 (Chapter 8)

A Washington resident turns 65 and is eligible for Medicare. They continue working and are covered by their employer's group health plan with 20 employees. Which statement about Medicare eligibility and coordination is correct?

• A) Medicare is the primary payer, and the employer plan is secondary.
• B) The resident must drop the employer plan and enroll in Medicare to avoid penalties.
• C) Medicare does not apply because the resident is still employed.
• D) The employer group health plan is primary, and Medicare is secondary.

Question 17 (Chapter 8)

A Washington resident is eligible for Medicare due to age (65+) and is also eligible for Medicaid. Which of the following statements about their coverage is correct?

• A) Medicare pays first, and Medicaid may pay as secondary for Medicare cost-sharing and services not covered by Medicare.
• B) Medicare is secondary to Medicaid for all covered services.
• C) Medicaid is secondary to Medicare for all covered services.
• D) The resident must choose either Medicare or Medicaid; they cannot have both.