Long-Term Care Practice Questions
46 free long-term care questions for the California Life & Health insurance license exam. Pick any question — answer it and get the full 3-part explanation, no signup required.
- 1.A long-term care policy begins paying benefits when the insured is unable to perform activities of daily li…Difficulty 1/5
- 2.Which statement correctly describes the federal tax treatment of a tax-qualified long-term care insurance p…Difficulty 2/5
- 3.A senior asks whether Medicare will pay for a lengthy nursing home stay needed mainly for help with bathing…Difficulty 1/5
- 4.What is the primary reason long-term care insurance is recommended to older clients?Difficulty 2/5
- 5.Which level of long-term care involves skilled nursing or rehabilitative services ordered by a physician an…Difficulty 1/5
- 6.An insured needs help with bathing, dressing, and meal preparation but requires no skilled medical services…Difficulty 2/5
- 7.Which statement best describes intermediate long-term care?Difficulty 2/5
- 8.Which type of facility provides room, board, personal care, and supervision in a home-like setting but does…Difficulty 1/5
- 9.A family caregiver needs temporary relief from caring for a relative who is receiving long-term care. Which…Difficulty 1/5
- 10.Most long-term care policies trigger benefits when the insured is unable to perform how many of the six sta…Difficulty 1/5
- 11.An insured with early-stage Alzheimer's can still bathe and dress independently. Which statement about LTC …Difficulty 2/5
- 12.Which of the following would NOT, by itself, typically trigger long-term care benefits?Difficulty 2/5
- 13.A confused senior wants an independent opinion before buying a proposed long-term care policy. What should …Difficulty 2/5
- 14.A common inflation protection option on long-term care policies increases the daily benefit by which amount?Difficulty 2/5
- 15.How is group long-term care insurance typically issued?Difficulty 1/5
- 16.Long-term care insurance premiums are generally computed on the basis of the insured's which age?Difficulty 3/5
- 17.Under a guaranteed renewable long-term care policy, the insurer may take which action?Difficulty 2/5
- 18.What is the difference between a noncancelable and a guaranteed renewable long-term care policy?Difficulty 3/5
- 19.Long-term care coverage can be purchased in which of the following forms?Difficulty 1/5
- 20.With a long-term care rider on a life insurance policy, how do the LTC benefits paid typically affect the p…Difficulty 2/5
- 21.What is a key difference between an accelerated death benefit for chronic illness and a standalone long-ter…Difficulty 2/5
- 22.Before recommending a long-term care policy to a client, an agent should first do which of the following?Difficulty 2/5
- 23.Which sales practice reflects ethical long-term care selling?Difficulty 2/5
- 24.In a long-term care policy, the elimination period is best described as which of the following?Difficulty 1/5
- 25.Choosing a longer elimination period on a long-term care policy generally has which effect on the premium?Difficulty 2/5
- 26.In a long-term care policy, the elimination period is typically expressed in which unit?Difficulty 1/5
- 27.Adverse selection in long-term care insurance occurs most directly in which situation?Difficulty 2/5
- 28.To control adverse selection, long-term care insurers primarily use which approach?Difficulty 2/5
- 29.Individual long-term care policies are most commonly written on which renewability basis?Difficulty 1/5
- 30.Which factor is a component in the development of long-term care insurance premium rates?Difficulty 3/5
- 31.A 68-year-old client says she plans to rely on Medicare to pay for long-term care if she ever needs help wi…Difficulty 1/5
- 32.A policyholder needs help with bathing, dressing, and transferring, but requires no skilled medical service…Difficulty 1/5
- 33.A nursing home resident needs daily nursing care that is ordered by a physician and performed under the sup…Difficulty 3/5
- 34.Which statement about home health care under a long-term care insurance policy is correct?Difficulty 1/5
- 35.A client is considering a Residential Care Facility for the Elderly (RCFE). Which statement correctly disti…Difficulty 2/5
- 36.Which set of services is commonly covered as a long-term care setting or benefit under LTC policies?Difficulty 1/5
- 37.A resident lives in an apartment-style facility that provides meals, housekeeping, 24-hour supervision, and…Difficulty 2/5
- 38.An insured has been diagnosed with Alzheimer's disease and needs substantial supervision to protect his own…Difficulty 2/5
- 39.In most individual LTC policies, how many activities of daily living (ADLs) must the insured typically be u…Difficulty 2/5
- 40.Why does Alzheimer's disease and related dementia create a particularly strong need for long-term care insu…Difficulty 2/5
- 41.What is an outline of coverage in long-term care insurance?Difficulty 1/5
- 42.How does a long-term care rider attached to a life insurance policy typically pay for long-term care?Difficulty 2/5
- 43.Under a group long-term care insurance plan, which statement is correct?Difficulty 1/5
- 44.What does guaranteed renewability mean to the owner of a long-term care insurance policy?Difficulty 1/5
- 45.How are premiums for an individual long-term care insurance policy typically priced?Difficulty 2/5
- 46.Which statement about inflation protection in long-term care insurance is correct?Difficulty 2/5