17 Free Virginia Life, Annuities & Health Practice Questions: Disability Income, Medical Plans, Group Health and Dental (2026)

Question 1 (Chapter 7)

Under Virginia law, which of the following is a required provision in an individual disability income policy regarding the insured's medical care?

• A) The insured must be hospitalized to receive benefits.
• B) The insured must seek treatment only from providers within the insurer's network.
• C) The insured must obtain a second opinion from a specialist within 30 days of disability onset.
• D) The insured must be under the regular care of a physician to qualify for benefits.

Question 2 (Chapter 7)

A Virginia small employer with 8 employees wants to offer health coverage. Which of the following statements is true regarding small employer medical plans under Virginia law?

• A) The employer is required to cover at least 50% of the premium for all employees.
• B) The employer can only offer plans that include dental and vision coverage.
• C) Employees must work a minimum of 30 hours per week to be eligible for coverage.
• D) Coverage must be guaranteed issue and renewable, regardless of the group's claims experience.

Question 3 (Chapter 7)

In Virginia, which of the following events would NOT trigger a special enrollment period for an individual to enroll in or change their health insurance coverage under HIPAA portability rules?

• A) Moving to a new ZIP code within the same state
• B) Loss of other health coverage due to job termination
• C) Marriage
• D) Birth of a child

Question 4 (Chapter 7)

Under Virginia's Health Insurance Portability and Accountability Act (HIPAA) provisions as outlined in the state code (§§ 38.2-3430.1–.9), which of the following is true regarding the renewal of health insurance coverage in the individual market?

• A) Insurers can non-renew coverage based on the insured's health status or claims history.
• B) Insurers must offer renewal only if the insured has maintained continuous coverage for at least 12 months.
• C) Coverage is guaranteed renewable, meaning the insurer cannot non-renew except for non-payment of premium, fraud, or termination of the plan in the state.
• D) Renewal is optional for the insurer each year, and they may decline to renew for any reason with 60 days' notice.

Question 5 (Chapter 7)

In Virginia, which of the following is a required eligibility criterion for an individual to qualify for Social Security Disability Insurance (SSDI) benefits?

• A) The individual must have a disability that is expected to last at least 6 months.
• B) The individual must be unable to perform the duties of their own occupation.
• C) The individual must be receiving Workers' Compensation benefits for a work-related injury.
• D) The individual must have earned sufficient work credits based on their age and recent work history.

Question 6 (Chapter 7)

A Virginia resident purchases an individual disability income policy with both a Cost of Living Adjustment (COLA) rider and a Waiver of Premium benefit. After being approved for disability benefits, which statement accurately describes how these two provisions interact?

• A) The Waiver of Premium benefit is suspended if the COLA rider increases the benefit amount.
• B) The COLA rider only applies if the Waiver of Premium benefit is not in effect.
• C) The COLA rider increases the benefit amount annually, and the Waiver of Premium benefit continues to exempt the insured from paying premiums while disabled.
• D) The Waiver of Premium benefit pays the premium increases caused by the COLA rider.

Question 7 (Chapter 7)

In Virginia, what is the maximum duration of continuation coverage available under state law (Virginia Continuation) for a covered employee who experiences a termination of employment, assuming federal COBRA does not apply or has been exhausted?

• A) 12 months
• B) 6 months
• C) 18 months
• D) 36 months

Question 8 (Chapter 7)

A Virginia resident with an individual disability income policy suffers a disability due to a non-occupational injury. They are also receiving Workers' Compensation benefits for a separate, occupational injury. How does the individual disability income policy typically coordinate with these Workers' Compensation benefits?

• A) The disability income policy reduces its benefit by the amount received from Workers' Compensation, regardless of whether the disabilities are related.
• B) The disability income policy only coordinates with Workers' Compensation if the disability is occupational in nature.
• C) The disability income policy pays its full benefit in addition to Workers' Compensation benefits because the disabilities are unrelated.
• D) The disability income policy suspends all benefits until Workers' Compensation payments end.

Question 9 (Chapter 7)

In Virginia, which of the following statements accurately describes the coordination between an individual disability income policy and Social Security Disability Insurance (SSDI) when an Additional Monthly Benefit (AMB) rider is attached?

• A) The AMB rider increases the policy benefit by the full amount of SSDI received.
• B) The AMB rider is only available if the insured is not eligible for SSDI.
• C) The AMB rider replaces SSDI benefits dollar-for-dollar.
• D) The AMB rider provides a benefit that, when combined with SSDI, does not exceed a specified target amount, such as 60% of pre-disability earnings.

Question 10 (Chapter 7)

A Virginia resident purchases an individual disability income policy. The policy includes a provision that waives premiums if the insured becomes totally disabled. After a disabling injury, the insured receives monthly benefits and stops paying premiums. Six months later, the insured recovers and returns to work. What happens to the premium obligation under the waiver of premium provision?

• A) The insured must pay back all premiums waived during the disability period.
• B) The waiver of premium continues for the remainder of the policy term regardless of recovery.
• C) The policy is automatically terminated upon recovery, and no further premiums are due.
• D) The insured resumes paying premiums starting with the next payment due after returning to work.

Question 11 (Chapter 7)

Under Virginia's small employer medical plan laws (§§ 38.2-3431–3437), a small employer is defined as having 2 to 50 employees. An employer with 45 employees offers coverage under these laws. Which statement is correct regarding the renewability of the coverage?

• A) Coverage is renewable at the option of the insurer only.
• B) Coverage is conditionally renewable based on the employer's claims experience.
• C) Coverage is non-renewable after the first year.
• D) Coverage is guaranteed renewable as long as the employer pays the premiums.

Question 12 (Chapter 7)

A Virginia resident insured under a disability income policy changes their occupation from an office accountant to a commercial high-rise window washer without notifying the insurance company. If they are injured on the job, how will the 'Change of Occupation' provision (§ 38.2-3504(1)) affect their claim?

• A) The insurer will pay the benefit that the premium paid would have purchased at the more hazardous occupation's rate.
• B) The claim will be denied entirely due to material misrepresentation of risk.
• C) The insurer will pay the full benefit but increase all future premiums by 200%.
• D) The insurer must pay the full benefit because the policy is incontestable after two years.

Question 13 (Chapter 7)

A Virginia resident is covered by an individual health insurance policy. They legally adopt a child and the child is placed in the home on October 15th. Under Virginia Code § 38.2-3411.2, when must the insurer begin covering the adopted child?

• A) Only after the final decree of adoption is issued by the court.
• B) On the date the child is physically placed in the home for the purpose of adoption.
• C) After a 90-day probationary period to ensure the adoption is permanent.
• D) On the first day of the month following the legal filing of adoption papers.

Question 14 (Chapter 7)

A Virginia dental insurance policy categorizes treatments into different levels. An insured requires a root canal (endodontics) and a routine cleaning (preventive). How are these typically categorized in a 'nonscheduled' (comprehensive) plan?

• A) Both are considered Basic Services.
• B) Cleaning is Diagnostic/Preventive; Root Canal is a Basic Service.
• C) Cleaning is a Basic Service; Root Canal is a Major Service.
• D) Both are considered Major Services because they require a specialist.

Question 15 (Chapter 7)

A Virginia resident earns $5,000 a month and holds two separate individual disability income policies, each providing a $3,000 monthly benefit. If the insured becomes disabled, how will the 'Relation of Earnings to Insurance' provision (§ 38.2-3504(6)) typically affect the claim?

• A) The insured will receive the full $6,000 per month as they paid premiums for both.
• B) The insurers will limit the total benefit to the insured's average monthly earnings ($5,000) and refund the pro-rata portion of the premiums paid for the excess coverage.
• C) The first policy issued will pay the full $3,000, and the second policy will be voided for overinsurance.
• D) The insured will receive only 50% of each policy's benefit ($3,000 total) to encourage a return to work.

Question 16 (Chapter 7)

An individual works two full-time jobs in Virginia and is covered by a group health plan at both. If they incur a medical claim, how does the 'Coordination of Benefits' (COB) determine which plan is primary?

• A) The plan that has been in effect the longest is always primary.
• B) The plan covering the person as an active employee is primary over a plan covering them as a dependent; if both cover as an employee, the longer-tenured plan is primary.
• C) The two plans must split the claim 50/50 regardless of tenure.
• D) The plan with the lower deductible is primary.

Question 17 (Chapter 7)

A Virginia court orders a non-custodial parent to provide health insurance for their child. According to Va. Code § 38.2-3407.2, the parent's insurer must:

• A) Refuse enrollment if the child does not live in the same household as the parent.
• B) Allow the enrollment of the child without regard to open enrollment season restrictions.
• C) Charge a 'court-order' surcharge on the premium.
• D) Only provide coverage if the custodial parent also buys a policy from the same insurer.