Ch 22: Long Term Care

Question 1

Long term care is least needed for:

Answer 1

The very poor and the very rich

Question 2

A measure for rating an individuals need for LTC benefits:

Answer 2

Activities for the daily living (ADL)

Question 3

Is deafness a trigger to LTC?

Answer 3

No

Question 4

For long term care, the comprehensive long term care provides:

Answer 4

Provides the most coverages. Provides nursing home and home care benefits

Question 5

Personal or custodial care refers to

Answer 5

Dressing and bathing

Question 6

Respite care is..

Answer 6

A break or rest from caring for a loved one, can last five consecutive day

Question 7

All long term care policies are issued as either

Answer 7

Guaranteed renewable or non cancelable

Question 8

Free look is how long

Answer 8

30 days

Question 9

No forfeiture options

Answer 9

Return of premium and reduced paid up

Question 10

HICAP (health insurance counseling and advocacy program):

Answer 10

Can’t charge a fee
Does not sell insurance policies
Does oh write health insurance policies