NC MED SUP AND LONG TERM CARE EXAM LATEST
2024/2025 WITH ACTUAL QUESTIONS AND CORRECT
VERIFIED (DETAILED) ANSWERS/ALREADY GRADED A+
An optional long-term care insurance benefit that provides a reduced paid-up
benefit amount is the... - ANSWER-Non-forfeiture benefit
Reasons to purchase a long-term care policy include: - ANSWER-To make sure
the insured can choose the type of care they get.
A LTC policy may condition benefits on: - ANSWER-The ability to perform
activities of daily living and on cognitive impairment as long as those conditions
are defined in the policy.
For personal long-term care insurance for a 65-year old individual, premiums
are deductible to the extent they exceed what minimum percentage of
adjusted gross income? - ANSWER-7.5%; Premiums must total more than 10%
of AGI or 7.5% if over 65 years old.
If a premium rate on the insured's long-term care policy was increased, the
insured may exercise may exercise all of the following EXCEPT:
a: Exercise a non-forfeiture option if purchased with the original policy
b: Pay the increased premium but require the increase in coverage from the
insurer
c: Pay the increased premium and continue the policy in force as is.
, d: Reduce the policy benefits so that the premiums will not increase. -
ANSWER-B: Pay the increased premium but require the increase in coverage
from the insurer
What level of care is between custodial care and skilled nursing care? -
ANSWER-Intermediate care; intermediate care is care needed for the patient
who does not need skilled care but needs some nursing care.
In long-term care (LTC) policies, as the benefit period lengthens, the premium...
- ANSWER-Increase; LTC policies define the benefit period for how long
coverage applies, after the elimination period. The longer the benefit period,
the higher the premium will be.
Long-term care insurance policies must provide benefits for at least how many
levels of care? - ANSWER-3
Which of the following provisions states that a company cannot cancel or
nonrenew coverage because of a person's health or age, but that premiums
can be increased? - ANSWER-Guaranteed Renewable- A long-term care policies
must be guaranteed renewable
An insured has a long-term care insurance policy that he purchased at the age
of 55. When the insured reaches age 66, the company may:
a: not increase his premium because of age.
b: Cancel his policy because he is 66 and eligible for Medicare
c: nonrenew the policy because he is over 65
d: increase his premium because he is older. - ANSWER-A: not increase his
premium because of age
lisinopril (Prinivil or Zestril) - ANSWER-For: hypertension, HF, MI
Common SE: hypotension, dizziness
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