Bankers Long-Term Care Exam 2023 with complete
solution
Homemaker services such as cooking and cleaning are typically considered
covered under a home care plan.
True.
Inflation protection on a Long-Term care insurance policy...
Allows an annual benefit increase to the entire pool of money.
Caregiver training benefits are generally training for the skilled care provider to
learn how to care for the patient.
False.
Policies that cover home healthcare and facility care are called...
Comprehensive LTCI policies.
The advantage of having a monthly benefit limit instead of a daily benefit limit is...
Flexibility of care in plan for the patient.
A comprehensive Long-Term care insurance plan includes...
home and facility care.
Which benefit would NOT be found in a facility only plan?
Respite care.
A chronic condition means a condition that is...
manageable but not curable.
The elimination period must be met before the benefits will begin reimbursement.
True.
Respite Care is describes as...
Relief for the medical caregiver.
If a pre-existing condition is noted in medical records, the underwriter may
request an APS. An APS is...
Attending Physician Statement.
Health and Disability Insurance pays for most skilled care services.
False.
The producer must furnish what to the applicant prior to accepting a signed
application?
Outline of Coverage.
Under a home care only policy, mortgage and or rent would be covered.
False.
Assisted Living includes...
Private and self contained rooms in a licensed assisted living care center.
Policies that cover nursing home, assisted living and bed reservation are...
Facility Only LTCI policies.
The majority of skilled nursing home patients require...
Medical care.
Licensed home health aids that assist the care of recipients with activities of daily
living and homemaker services, as stated in the policy, are typically covered
under a home care policy.
True.
solution
Homemaker services such as cooking and cleaning are typically considered
covered under a home care plan.
True.
Inflation protection on a Long-Term care insurance policy...
Allows an annual benefit increase to the entire pool of money.
Caregiver training benefits are generally training for the skilled care provider to
learn how to care for the patient.
False.
Policies that cover home healthcare and facility care are called...
Comprehensive LTCI policies.
The advantage of having a monthly benefit limit instead of a daily benefit limit is...
Flexibility of care in plan for the patient.
A comprehensive Long-Term care insurance plan includes...
home and facility care.
Which benefit would NOT be found in a facility only plan?
Respite care.
A chronic condition means a condition that is...
manageable but not curable.
The elimination period must be met before the benefits will begin reimbursement.
True.
Respite Care is describes as...
Relief for the medical caregiver.
If a pre-existing condition is noted in medical records, the underwriter may
request an APS. An APS is...
Attending Physician Statement.
Health and Disability Insurance pays for most skilled care services.
False.
The producer must furnish what to the applicant prior to accepting a signed
application?
Outline of Coverage.
Under a home care only policy, mortgage and or rent would be covered.
False.
Assisted Living includes...
Private and self contained rooms in a licensed assisted living care center.
Policies that cover nursing home, assisted living and bed reservation are...
Facility Only LTCI policies.
The majority of skilled nursing home patients require...
Medical care.
Licensed home health aids that assist the care of recipients with activities of daily
living and homemaker services, as stated in the policy, are typically covered
under a home care policy.
True.
