American Institute Of Constructors (AIC) Level 2 Practice Test

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If a client with SPF 1 has no group benefits and only requires chiropractic care under section B, what is the maximum benefit?

$50,000 $1,000 $51,000 $100,000

Correct Answer:

$51,000

Explanation:

Understanding how SPF and plan sections influence the payout helps explain the number. SPF 1 sets the level of benefit available when there are no other plans to coordinate with. In this scenario, the base maximum for the coverage type under Section B (chiropractic care) is $50,000. Because there are no group benefits to reduce or offset that amount, the SPF 1 factor adds an additional $1,000, giving a total allowable benefit of $51,000. The designation of Section B tells you the service covered, but it doesn’t change the total unless the SPF or group benefits modify it. So the maximum benefit is $51,000.

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