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LTC FINAL COMPLETE EXAM WITH QUESTIONS AND ANSWERS
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LTC FINAL COMPLETE EXAM WITH QUESTIONS AND ANSWERS ...
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LTC FINAL COMPLETE EXAM WITH QUESTIONSAND ANSWERS
For a Medicaid beneficiary in a nursing home, it would be less
expensive if beauty care, cable, telephone and internet access were
provided by: - ANSWER A family member
Ike and Tina are at retirement age. They know based on their family
tree that it will not be long before either will need some form of
assistance with daily living activities. Rather than continue to live in
their current home, their advisor recommends which one of the
following in order to best prepare for their future? - ANSWER
Seriously consider moving into a continuing care retirement
community (CCRC)
Which of the following is NOT a component of a cognitive
impairment? - ANSWER Inability to drive a car
Producers in what states must complete four hours of training on
LTCi every CE license renewal period, or every 24 months? -
ANSWER Only the states that adopted the NAIC LTCi Model Act
Angela needs care but wants to live at home for as long as possible.
What option is the best one for her? - ANSWER Community services
While many consumers may not look forward to residency in a
nursing home facility, when is it likely to be the best alternative? -
ANSWER When a person does not have any local supportive family
members to assist
Sally is financially destitute and needs assistance with her activities
of daily living (ADL). Rather than have them provided at a facility she
would much prefer to have them provided in her home. What type of
program would be best for her in this situation? - ANSWER Medicaid
Home and Community-Based Services (HCBS)
,A residential facility for older adults with available assistance for
residents who may need help with dressing, bathing, or eating, but
that does NOT provide intensive medical or nursing care, is known as
a(an): - ANSWER Assisted living facility
Keith needs assistance with grocery shopping, laundry and changing
the bed sheets. What type of services does he need? - ANSWER
Homemaker
LTC is USUALLY provided in each of the following settings, EXCEPT: -
ANSWER Hospital
What is a state-licensed facility that provides skilled nursing care to
those who are chronically ill or unable to take care of themselves? -
ANSWER Nursing home
If an individual is caring for a person's pets or provides
housekeeping services they are providing: - ANSWER Necessities
for an individual to live independently which are not necessary for an
individual's basic daily living
JR was involved in a car accident, had emergency surgery in a local
hospital and was discharged after a 2-week stay. Prior to being able
to fully function at home it was recommended that JR first go to
which one of the following for therapy? - ANSWER A skilled care
facility / nursing home
Joe suffers a severe stroke and loses the use of one arm
permanently; he is not able to feed, bathe, or dress himself for more
than a year after hospitalization. What type of policy is most likely to
provide and pay for the services he requires? - ANSWER A
long-term care policy
For those who require care on a regular but not daily basis who is
most likely to visit the person's home? - ANSWER A registered
nurse, licensed practical nurse, or therapist
Uncle George who has early onset dementia lives with Samantha and
Jerrold both of who work full-time. In order to make certain that
, Uncle George is taken care of during the work week which is the best
option? - ANSWER An adult day care center
Premiums for a lifetime benefit period are usually_________ than other
benefit amounts. - ANSWER Much more expensive
What type of elimination period only counts the days during which
covered long-term care services were provided? - ANSWER
Service Day
What party must pay for all costs of LTC during a LTC insurance
policy's elimination period? - ANSWER The insured
What type of care provides commercial care during the time an
informal caregiver takes a break from providing informal care? -
ANSWER Respite care
The number of days an insured must need skilled nursing care before
LTCi benefits begin is known as a(n): - ANSWER Elimination
Bonnie has a choice of a 0, 30, 60 and 90 day elimination periods. All
else being equal which one will cause her to pay more in
out-of-pocket costs if she were confined to a nursing home for 360
consecutive days? - ANSWER 90
A consumer filed an LTC claim only to find out it was denied. They
owned a guaranteed renewable policy for over 3 years. What was the
most likely cause for this? - ANSWER They failed to pay the required
premium when it was due
What is the best source of information a consumer can refer to in
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