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Long-Term Care Programs, Policies, and Partnerships Exam: Questions and Answers, Exams of Dentistry

A series of questions and answers related to long-term care programs, policies, and partnerships. It covers topics such as the definition of long-term care, types of care, funding options, and the role of government programs like medicare and medicaid. Useful for understanding the basics of long-term care and its associated complexities.

Typology: Exams

2023/2024

Available from 02/01/2025

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WebCE Long-Term Care Programs, Policies,
and Partnerships Exam With Complete Solution
What is the Primary Goal of Long Term Care - Answer To maintain functionality
Which of the following most precisely defines the fundamentals of self-care and
the basic tasks of life? - Answer Activities of daily living
Long Term Care occurs only in nursing facilities. - Answer False
On what basis are benefits payable under a long term care insurance policy
typically triggered? - Answer the inability to perform defined ADLs
A long-term care ombudsman represents people in a given geographical area who
live in assisted living residences or skilled nursing facilities. - Answer True
Which level of care has as its chief characteristic assistance with ADLs? - Answer
Custodial
All of the following are examples of formal caregiving EXCEPT: - Answer Daily
transportation to a senior center provided by a neighbor.
All of the following are services commonly offered by assisted living residences
EXCEPT: - Answer Continuous post-operative monitoring.
Which of the following is not an example of home or community-based long-term
care? - Answer CCBSs
Medicare covers the cost of long-term custodial care in the home when it is
delivered by a Medicare-certified agency. - Answer False
Which of the following is a correct statement about Medicare? - Answer Medicare
does not cover long-term care.
Which of the following only covers inpatient hospital care and hospice? - Answer
Medicare Part A
With regard to Medicare and long-term care, which of the following statements is
true? - Answer Medicare covers care in a skilled nursing facility for a limited time,
but only if the care follows an admitted hospital stay and is ordered by a
physician.
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WebCE Long-Term Care Programs, Policies,

and Partnerships Exam With Complete Solution

What is the Primary Goal of Long Term Care - Answer To maintain functionality

Which of the following most precisely defines the fundamentals of self-care and the basic tasks of life? - Answer Activities of daily living

Long Term Care occurs only in nursing facilities. - Answer False

On what basis are benefits payable under a long term care insurance policy typically triggered? - Answer the inability to perform defined ADLs

A long-term care ombudsman represents people in a given geographical area who live in assisted living residences or skilled nursing facilities. - Answer True

Which level of care has as its chief characteristic assistance with ADLs? - Answer Custodial

All of the following are examples of formal caregiving EXCEPT: - Answer Daily transportation to a senior center provided by a neighbor.

All of the following are services commonly offered by assisted living residences EXCEPT: - Answer Continuous post-operative monitoring.

Which of the following is not an example of home or community-based long-term care? - Answer CCBSs

Medicare covers the cost of long-term custodial care in the home when it is delivered by a Medicare-certified agency. - Answer False

Which of the following is a correct statement about Medicare? - Answer Medicare does not cover long-term care.

Which of the following only covers inpatient hospital care and hospice? - Answer Medicare Part A

With regard to Medicare and long-term care, which of the following statements is true? - Answer Medicare covers care in a skilled nursing facility for a limited time, but only if the care follows an admitted hospital stay and is ordered by a physician.

Which of the following is a correct statement about Medicare Part D Prescription Drug coverage? - Answer Enrollment in Part D is voluntary.

The federal government: - Answer Gives states flexibility in administering their Medicaid Programs

How much of a community spouse's own income must be spent on care for an institutionalized spouse who is receiving Medicaid assistance? - Answer Not:

all of it

50%

25%

None of the income that a community spouse receives in his or her name, such as wages or Social Security or a pension, must be diverted to the cost of care for the institutionalized spouse.

A burial plot is exempt when determining Medicaid eligibility. - Answer True

Medicaid is available to pay for LTC expenses for anyone without LTC insurance. - Answer False

Of the factors below, which does state review to determine a person's eligibility for Medicaid? - Answer I. Assets

II. Income

Under current Medicaid rules, what is the look-back period for the transfer of assets? - Answer 60 months

Long-term care insurance policies are easy to compare and contrast. - Answer False

An insurance company can increase the premiums on its LTCI policies after policy inception if the insured's health declines. - Answer False

All of the following may deduct the full cost of their qualified LTCI premiums, subject to the age-based limits, EXCEPT: - Answer Employees whose premiums are paid by their employers

Group LTCI policies are contracts between the insurance company and each individual member of the group. - Answer Fasle

Which of the following sets forth the length of time an LTCI policy will pay benefits? - Answer the benefit period

LTCI policies in all of the following respects EXCEPT: - Answer Maximum allowable premiums

Because taking a withdrawal from the cash value of a life insurance policy is always a taxable event, this technique should not be used to fund long-term care needs. - Answer False

Which of the following refers to the sale of an in-force life insurance policy by a terminally ill insured to a third party for an amount less than the policy's death benefit? - Answer Viatical settlement

A disadvantage to using a conventional deferred annuity to fund late-life long-term care needs is that the contract must be annuitized, and payments must be made over a stated number of years or for life. - Answer False

All of the following are sound reasons for purchasing life insurance EXCEPT: - Answer Funding anticipated LTC expenses

In reverse mortgage, a homeowner receives money from the lender. - Answer True

A health saving account (HSA) is used in conjunction with which of the following?

  • Answer High-deductible health insurance plan

A hybrid annuity combines a fixed deferred annuity product with which of the following? - Answer A long-term care rider

Under the NAIC Long-Term Care Model Act as well as many state insurance regulations, who is primarily responsible for instituting good suitability practices?

  • Answer Producers and insurance companies equally

Misrepresenting a long-term care policy pertains only to statements the producer makes or literature he or she delivers. - Answer False

All of the following are steps in the needs-based selling approach EXCEPT: - Answer Engaging in fair competition

What is the basic purpose of a suitability letter sent from an insurance company to a long-term care policy applicant? - Answer To inform the applicant that the insurer is questioning the suitability of the applied-for policy, briefly explaining why, and asking the applicant to advise the insurer on whether it should proceed with the underwriting and issue process.