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Long-Term Care: Programs, Policies, and Partnerships - Quiz Questions and Answers, Exams of Business Administration

Middle Georgia State University (MGA)Business Administration

A comprehensive set of questions and answers related to long-term care programs, policies, and partnerships. it covers key aspects of long-term care insurance, medicaid, medicare, and state partnership programs, offering valuable insights into the complexities of financing and accessing long-term care services. The quiz format makes it an excellent resource for students and professionals seeking to improve their understanding of this critical area of healthcare.

Typology: Exams

2024/2025

Available from 05/13/2025

EXCELLENTPAPERS
EXCELLENTPAPERS 🇺🇸

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WebCE: Long-Term Care: Programs,
Policies, and Partnerships | 100% Correct |
Verified | 2024 Version
What is the Primary Goal of Long Term Care - ✔✔To maintain functionality
Which of the following most precisely defines the fundamentals of self-care and the basic tasks of life? -
✔✔Activities of daily living
Long Term Care occurs only in nursing facilities. - ✔✔False
On what basis are benefits payable under a long term care insurance policy typically triggered? - ✔✔the
inability to perform defined ADLs
A long-term care ombudsman represents people in a given geographical area who live in assisted living
residences or skilled nursing facilities. - ✔✔True
Which level of care has as its chief characteristic assistance with ADLs? - ✔✔Custodial
All of the following are examples of formal caregiving EXCEPT: - ✔✔Daily transportation to a senior
center provided by a neighbor.
All of the following are services commonly offered by assisted living residences EXCEPT: - ✔✔Continuous
post-operative monitoring.
Which of the following is not an example of home or community-based long-term care? - ✔✔CCBSs
Medicare covers the cost of long-term custodial care in the home when it is delivered by a Medicare-
certified agency. - ✔✔False
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WebCE: Long-Term Care: Programs,

Policies, and Partnerships | 100% Correct |

Verified | 2024 Version

What is the Primary Goal of Long Term Care - ✔✔To maintain functionality Which of the following most precisely defines the fundamentals of self-care and the basic tasks of life? - ✔✔Activities of daily living Long Term Care occurs only in nursing facilities. - ✔✔False On what basis are benefits payable under a long term care insurance policy typically triggered? - ✔✔the inability to perform defined ADLs A long-term care ombudsman represents people in a given geographical area who live in assisted living residences or skilled nursing facilities. - ✔✔True Which level of care has as its chief characteristic assistance with ADLs? - ✔✔Custodial All of the following are examples of formal caregiving EXCEPT: - ✔✔Daily transportation to a senior center provided by a neighbor. All of the following are services commonly offered by assisted living residences EXCEPT: - ✔✔Continuous post-operative monitoring. Which of the following is not an example of home or community-based long-term care? - ✔✔CCBSs Medicare covers the cost of long-term custodial care in the home when it is delivered by a Medicare- certified agency. - ✔✔False

Which of the following is a correct statement about Medicare? - ✔✔Medicare does not cover long-term care. Which of the following only covers inpatient hospital care and hospice? - ✔✔Medicare Part A With regard to Medicare and long-term care, which of the following statements is true? - ✔✔Medicare covers care in a skilled nursing facility for a limited time, but only if the care follows an admitted hospital stay and is ordered by a physician. Which of the following is a correct statement about Medicare Part D Prescription Drug coverage? - ✔✔Enrollment in Part D is voluntary. The federal government: - ✔✔Gives states flexibility in administering their Medicaid Programs How much of a community spouse's own income must be spent on care for an institutionalized spouse who is receiving Medicaid assistance? - ✔✔Not: all of it 50% 25% None of the income that a community spouse receives in his or her name, such as wages or Social Security or a pension, must be diverted to the cost of care for the institutionalized spouse. A burial plot is exempt when determining Medicaid eligibility. - ✔✔True Medicaid is available to pay for LTC expenses for anyone without LTC insurance. - ✔✔False

After being effectively frozen in place for a number of years, state LTC partnership programs were allowed to expand as a result of what legislation? - ✔✔DRA 2005 Who (or what) pays the largest share of total long-term care expenses in the U.S.? - ✔✔Medicaid All of the following statements regarding the benefits of state LTC partnership programs are generally correct EXCEPT: - ✔✔The federal Medicare program benefits by reducing demand for acute long-term care among seniors. As defined by the Deficit Reduction Act of 2005, an insured who participates in a new state partnership program may be eligible for an exemption to Medicaid's asset spend-down rule equal to what amount? - ✔✔the total lifetime benefits payable through the LTC partnership policy. Gerald purchased a partnership-qualified LTCI policy that provides coverage for both nursing facility care and home and community-based care. The daily nursing facility benefit is $150. The total benefit available for home and community care under this policy must be at least what amount? - ✔✔$27, As required by DRA, all long-term care insurance policies used in any new state partnerships programs must be tax qualified as defined by HIPAA. - ✔✔True All of the following statements regarding minimum standards for partnership-qualified long term care insurance policies are correct EXCEPT: - ✔✔Inflation protection is optional for all applicants At a minimum, what must partnership-qualified long-term insurance policies? - ✔✔Guaranteed renewable What federal law defined tax qualified long-term care insurance policies? - ✔✔Health Insurance Portability and Accountability Act of 1996 In defining the term and conditions for a qualified state long-term care insurance partnership program, DRA outlines basic requirements for partnership-qualified LTCI policies in all of the following respects EXCEPT: - ✔✔Maximum allowable premiums

Because taking a withdrawal from the cash value of a life insurance policy is always a taxable event, this technique should not be used to fund long-term care needs. - ✔✔False Which of the following refers to the sale of an in-force life insurance policy by a terminally ill insured to a third party for an amount less than the policy's death benefit? - ✔✔Viatical settlement A disadvantage to using a conventional deferred annuity to fund late-life long-term care needs is that the contract must be annuitized, and payments must be made over a stated number of years or for life. - ✔✔False All of the following are sound reasons for purchasing life insurance EXCEPT: - ✔✔Funding anticipated LTC expenses In reverse mortgage, a homeowner receives money from the lender. - ✔✔True A health saving account (HSA) is used in conjunction with which of the following? - ✔✔High-deductible health insurance plan A hybrid annuity combines a fixed deferred annuity product with which of the following? - ✔✔A long- term care rider Under the NAIC Long-Term Care Model Act as well as many state insurance regulations, who is primarily responsible for instituting good suitability practices? - ✔✔Producers and insurance companies equally Misrepresenting a long-term care policy pertains only to statements the producer makes or literature he or she delivers. - ✔✔False All of the following are steps in the needs-based selling approach EXCEPT: - ✔✔Engaging in fair competition What is the basic purpose of a suitability letter sent from an insurance company to a long-term care policy applicant? - ✔✔To inform the applicant that the insurer is questioning the suitability of the