LTC

All of the following are factors that reduce the number of family members available to care for elderly family members EXCEPT
A decreased longevity
B geographic diversity
C lower birth rates
D divorce

Long-term care insurance is NOT
A duplicated by other forms of insurance
B going to cover all three levels of care
C needed when someone has Blue Cross health insurance
D needed when someone has adequate life insurance

A chronic condition
A has slow recovery time
B includes all of these characteristics
C is curable
D is treatable

Which of the following is defined as around-the-clock care provided by licensed health care professionals under a physician's supervision?
A Intermediate care
B Custodial care
C Skilled care
D Long-term care

Generally, long-term care is needed when someone loses the ability to remain independent because she has
A diminished social skills
B limited financial resources
C few family members to care for her
D physical or cognitive impairments

Community services that may be provided either free or at little cost include all of the following EXCEPT
A telephone reassurance
B senior centers
C Meals-on-Wheels
D nursing home care

Ideally, professional services provided by nurses or home health aides in an elderly person's home should
A replace primary caregiver's services
B be limited to medical, not personal, care
C complement the primary caregiver's services
D be the primary care the recipient receives

Long-term care providers are categorized as
A formal and informal
B licensed and custodial
C educated and trained
D Medicare and Medicaid

Which of the following best describes custodial care?
A Assistance with paying bills and housekeeping
B Therapy provided at least four days a week
C Rehabilitative care provided after surgery
D Assistance with the activities of daily living

Which of the following statements best describes a nursing home?
A It provides residents with their own apartment and on-call nursing services.
B It provides a friendly environment, custodial care, and some personal care.
C It provides professional health-care services around the clock in the most cost-efficient manner.
D It provides independent and congregate living as well as hospitalization.

Before qualifying for benefits under a TQ policy, a claimant must be expected to need substantial assistance with ADLs for a period of how many days?
A 30
B 90
C 60
D 120

With a TQ plan, qualified long-term care services must
A be delivered for at least 90 days before any benefits can be paid
B have all of these
C include alternate living facilities, home health-care, and adult day centers
D be for diagnostic, preventive, therapeutic, curing, mitigating, and rehabilitative services

Which of the following is NOT a characteristic of a chronically ill person according to HIPAA?
A The person requires substantial supervision to protect himself from threats to health and safety because of severe cognitive impairment.
B The person has been discharged from an acute care hospital within 30 days of being determined to be chronically ill.
C The person has a level of disability similar to that designated by regulation.
D The person is unable to perform at least two activities of daily living for a period expected to last at least 90 days owing to a loss of functional capacity.

Which of the following statements about tax-qualified long-term care insurance policies is NOT correct?
A Tax-qualified policies must be guaranteed renewable.
B Physical impairment requirements do not have to be expected to last at least 90 days under tax-qualified policies.
C Tax-qualified policies cover only qualified long-term care services.
D Marketing materials for tax-qualified policies must state that the policy is intended to be a qualified plan.