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Kieran CF8 > Mock Paper 2 > Flashcards

Mock Paper 2 Flashcards

1
Q
  1. The maximum compensation in respect of a claim to the Financial Services Compensation Scheme about a long-term insurance contract is?
A

B. 100% of the claim with no upper limit

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2
Q
  1. Which of the following is classified as a pre-funded care plan?
A

A. Long term care bond

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3
Q
  1. Which body deals with complaints against the NHS which CANNOT be resolved at a local level?
A

B. Parliamentary and Health Service Ombudsman

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4
Q
  1. Which Scottish body has roles and responsibilities broadly similar to those of the Care Quality Commission in England
A

C. The Care Inspectorate

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5
Q
  1. The provision of domiciliary long-term care is normally the responsibility of:
A

A. The Local Authority

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6
Q
  1. Which of the following types of care is funded solely by the State?
A

C. Hospital care

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7
Q
  1. What is the current standard rate of NHS funded nursing care for residents in care homes in England?
A

D. £187.60 per week

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8
Q
  1. Maureen’s primary need is for continuous health care. Who is responsible for providing this?
A

B. The National Health Service

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9
Q
  1. What is an example of medical care provided by or funded by the NHS where an individual demonstrates a “primary health need”?
A

A. Palliative care

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10
Q
  1. Local authority circulars contain guidance on care and other issues to councils and local authorities. They are issued by the:
A

B. Department of Health and Social Care

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11
Q
  1. Which body is responsible for payment of the Registered Nursing Care Contribution in Scotland?
A

A. The Scottish Executive

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12
Q
  1. Wendy is aged 56 and has substantial savings and pension income. She has her care costs met in full; this is likely to be because?
A

Her primary need has been identified as continuous healthcare

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13
Q
  1. Which body is responsible for health issues in Northern Ireland?
A

A. Department of Health, Social Services and Public Safety

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14
Q
  1. Which Act gives local authorities a responsibility to prevent or reduce the need for care and support?
A

B. Care Act 2014

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15
Q
  1. Who can be appointed under the Adults with Incapacity (Scotland) Act 2000 to manage an individual’s property or financial affairs?
A

C. Continuing Attorney

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16
Q
  1. What is the current weekly level of the personal expense allowance in England that individuals needing care are allowed to keep for items such as newspapers and toiletries?
A

B. £24.90

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17
Q
  1. What is the current level of the means-test capital threshold in England for Local Authority funding of residential care costs below which the Local Authority may fund the full cost of care?
A

A. £14,250

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18
Q
  1. If a local authority regards unpaid care costs as a debt and looks to recover them through the courts, what is the maximum debt recovery period?
A

Six years

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19
Q
  1. What accounts for by far the largest proportion of care of older people in the UK?
A

Unpaid Care

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20
Q
  1. Roberta has been assessed as needing residential care and has a portfolio of unit trusts valued at £250,000 - how could this be used to fund her care needs?
A

D. Both the dividends and the capital could be used

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21
Q
  1. What feature of a Personal Pension plan might an individual needing long-term care before age 55 be able to benefit from?
A

C. Early retirement due to ill health at any age

22
Q
  1. Which of the following features is usually covered in a health cash plan?
A

D. Professional care benefit

23
Q
  1. A Deputy was appointed by the Court of Protection to oversee David’s affairs after he had a serious motorbike accident - he has now recovered his mental capacity sufficiently to be able to manage his own affairs - what can he do?
A

A. Apply to the Court for a recovery order so he can manage his own affairs again

24
Q

24C Whose role is it to maintain a register of lasting powers of attorney?

A

BC The Office of the Public Guardian

25
Q

What type of decisions can be made under a financial decisions LPA?

A

Decisions on where money should be invested

26
Q
  1. In relation to the General Data Protection Regulation (GDPR), whose role is it to say how and why personal data is processed?
A

C. The data controller

27
Q
  1. Nan has been appointed as a deputy following her mother Pauline’s loss of mental capacity. What does this mean Pauline has neglected to do?
A

C. Completed an Enduring or Lasting Powers of Attorney

28
Q
  1. What is the role of an Independent Mental Capacity Advocate (IMCA)?
A

B. To provide an extra safeguard for particularly vulnerable people in specific situations who have no-one else to consult other than paid carers

29
Q
  1. What is the tax position regarding premiums paid for a prefunded Long-Term Care Insurance Plan for an individual?
A

C. No tax relief, payable out of net income of the individual

30
Q
  1. Immediate need annuities are usually sold as a variation of?
A

D. Impaired life annuities

31
Q
  1. What is the advantage from an income tax point of view of a pre-funded long-term care insurance policy?
A

A. Benefits can be paid free of tax to either policyholder or care provider

32
Q
  1. Arthur, an additional rate taxpayer, has purchased an immediate needs care plan to part-fund his domiciliary care costs. He has arranged for the benefits to be paid directly to him as he uses a number of care providers. How will the benefits be taxed?
A

They will partially be liable to an extra 25% tax

33
Q
  1. Who has the authority to execute a statutory will for a person lacking mental capacity?
A

C. The Court of Protection

34
Q
  1. Which of the following is a requirement for a deed of variation to be effective for Inheritance Tax purposes?
A

Must be signed by all those who would otherwise have benefitted

35
Q
  1. How does the role of a Deputy differ from that of an Attorney under a Lasting Powers of Attorney (LPA)?
A

A. A Deputy is appointed by the Court of Protection whereas an Attorney under an LPA is appointed by the donor

36
Q
  1. Vanessa has never been married and made a will 20 years ago leaving all her property to the local cat’s home, a registered charity. She has recently lost mental capacity and a Deputy has been appointed to look after her affairs. How does this affect her existing will?
A

B. It will continue to be valid

37
Q
  1. Joanna dies without having made a will leaving a husband and two adult children. Her assets comprise a property owned jointly with her husband as joint tenants valued at£500,000, and a building society account held jointly with her husband holding
    £100,000. How will her estate be distributed?
A

B. All assets pass to her husband by survivorship

38
Q
  1. The three major requirements for a will to be valid are?
A

A. Writing, signature, attestation

39
Q
  1. Failure of how many Activities of Daily Living (ADLs) is normally required for a successful claim under an L TCI plan for full residential nursing care?
A

B. Three to four

40
Q
  1. Under section 14 of the Care Act 2014, minor adaptations costing less than how much must be provided free of charge in England?
A

£1,000

41
Q
  1. In Northern Ireland, the maximum amount for a mandatory disabled facilities grant is?
A

B. £25,000

42
Q
  1. Which of the following should be disregarded by a Local Authority when assessing an individual’s capital and income?
A

A. The fund value of a pension fund for someone under 55

43
Q
  1. Which of the following people would be entitled to free personal care in Scotland?
A

A. Arlene, age 64, assessed as needing care in a care home
B. Gerald, age 67, who is Scottish but currently resides in Wales
C. Ethel, age 65, whose daughter pops in to help her clean up once a week
D. George, 68, who needs round-the-clock care in a nursing home

D - answer

44
Q
  1. Which of the following is an eligibility condition for the Disability Living Allowance?
A

B. Be expected to remain disabled for a period of six months

45
Q
  1. Which of the following people should be able to claim carer’s allowance?
A

D. Fred, aged 80, who receives State Pension of £137.60 per week, and is the full­time carer of his wife Doris who he lives with in the family home

46
Q
  1. What is the essential difference between a Lifetime Mortgage and a Home Reversion Plan?
A

C. A Lifetime mortgage is a loan secured against a property; a Home Reversion Plan is not a loan but involves the sale of the property;

47
Q
  1. What test is often used to assess a claim under a Long-Term Care Insurance plan based on cognitive impairment?
A

A. Mini Mental State Examination

48
Q
  1. What is a major difference between a pre-funded risk based Long Term Care insurance (LTCI) contract and a long-term life assurance protection contract?
A

C. Under an L TCI contract the benefit is payable when the individual satisfies the provider’s claim requirements rather than on death

49
Q
  1. Which of the following pre-existing conditions are likely to make an insurance company decline a proposal for pre-funded long-term care insurance?
A

D. Alzheimer’s disease

50
Q
  1. Which of the following is an example of an external factor that might necessitate a client review?
A

C. A change in the tax treatment of a client’s existing long-term care policy

Kieran CF8 (14 decks)

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