PEBC Practice Questions - PEBC Professional Employee Benefits Consultant Exam - PEBC Practice Questions - PEBC Professional Employee Benefits Consultant Exam

Question 1

Under the Affordable Care Act, an Applicable Large Employer (ALE) is generally defined as one that employed how many full-time employees (including full-time equivalents) on average during the prior calendar year?

20 or more 50 or more 100 or more 250 or more

Correct Answer:

50 or more

Question 2

An ALE that fails to offer minimum essential coverage to at least 95% of its full-time employees and any one of those employees receives a premium tax credit on the Marketplace is subject to which ACA penalty?

IRC 4980H(a) — the 'no-offer' (sledgehammer) penalty IRC 4980H(b) — the 'inadequate coverage' (tackhammer) penalty IRC 4980D — group health plan failure penalty PCORI fee assessment

Correct Answer:

IRC 4980H(a) — the 'no-offer' (sledgehammer) penalty

Question 3

Under the ACA Medical Loss Ratio (MLR) rule, what is the minimum percentage of premium that a large group health insurer must spend on claims and quality improvement activities, with the remainder potentially refunded as a rebate?

70% 75% 80% 85%

Correct Answer:

85%

Question 4

Which of the following best describes a 'level-funded' group health plan?

A fully-insured plan in which premiums never change at renewal A self-funded plan in which the employer pays a fixed monthly amount that bundles claims funding, stop-loss, and admin, with potential year-end surplus refunds A multiple employer welfare arrangement (MEWA) regulated only at the federal level A health reimbursement arrangement integrated with individual market coverage

Correct Answer:

A self-funded plan in which the employer pays a fixed monthly amount that bundles claims funding, stop-loss, and admin, with potential year-end surplus refunds

Question 5

In a self-funded medical plan, which type of stop-loss insurance protects the employer against a single catastrophic claim from one covered individual?

Aggregate stop-loss Specific stop-loss Reinsurance treaty Excess catastrophic medical (ECM)

Correct Answer:

Specific stop-loss

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About this Exam

Prepare with the PEBC Practice Questions - PEBC Professional Employee Benefits Consultant Exam practice quiz. This question bank includes 100 questions covering employer, health, plan, group, and plans. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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PEBC Practice Questions - PEBC Professional Employee Benefits Consultant Exam

This practice set contains 100 questions from the matching question bank and focuses on employer, health, plan, group, and plans. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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PEBC Practice Questions - PEBC Professional Employee Benefits Consultant Exam

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