Webce Life and Health Insurance Exam
QUESTIONS AND ANSWERS
(Verified Answers)
1. On what basis are benefits payable under a long-term care insurance policy
typically triggered?
A) the diagnosis of an acute medical condition
B) the number and types of medications prescribed
C) the inability to perform of medications prescribed
D) all of the above
ANS: C) The inability to perform defined ADLs
The inability to perform defined ADLs. Benefits payable under a long-term care policy
are typically based on (or "triggered" by) the inability to perform a certain number
of activities of daily living (ADLs) as specified in the policy. Another common benefit
trigger is cognitive impairment.
,2. What is a primary goal of long-term care?
A) to maintain functionality
B) to find a permanent cure for the affliction
C) to prolong life
D) to prevent the spread of disease
ANS: A) to maintain functionality
Long-term care is chronic care with the aim of management and control of symptoms
and maintenance of function.
3. Long-term care occurs only in nursing facilities.
A) True
B) False
ANS: B) False
Long-term care can occur in a variety of places, including in an individual's home,
at community sites and centers, and in care facilities.
4. Which of the following most precisely defines the fundamentals of self-careand
the basic tasks of everyday life?
,A) instrumental activities of daily living
B) activities of daily living
C) self-awareness
D) mental activity
ANS: B) Activities of daily living
Activities of daily living are the fundamentals of self-care. They are the basic tasks
of everyday life, which include eating, bathing, dressing, toileting, and transferring.
, Instrumental activities are those that are associated with interacting with one's
community or home.
5. Which level of care has as its chief characteristic assistance with ADLs?
A) Custodial
B) Intermediate
C) Skilled
D) Managed
ANS: A) Custodial
The primary characteristic of which is to provide assistance with the activities of daily
living, helps meet personal rather than medical needs.
6. All of the following are examples of formal caregiving EXCEPT:
A) home health aides
B) intermediate care facilities
C) volunteer charitable groups
D) daily transportation to a senior center provided by a neighbor
ANS: D) dailytransportation to a senior center provided by a neighbor
Formal caregiving is paid, or volunteer care is provided through a service system.
Informal care is delivered by family or friends.
QUESTIONS AND ANSWERS
(Verified Answers)
1. On what basis are benefits payable under a long-term care insurance policy
typically triggered?
A) the diagnosis of an acute medical condition
B) the number and types of medications prescribed
C) the inability to perform of medications prescribed
D) all of the above
ANS: C) The inability to perform defined ADLs
The inability to perform defined ADLs. Benefits payable under a long-term care policy
are typically based on (or "triggered" by) the inability to perform a certain number
of activities of daily living (ADLs) as specified in the policy. Another common benefit
trigger is cognitive impairment.
,2. What is a primary goal of long-term care?
A) to maintain functionality
B) to find a permanent cure for the affliction
C) to prolong life
D) to prevent the spread of disease
ANS: A) to maintain functionality
Long-term care is chronic care with the aim of management and control of symptoms
and maintenance of function.
3. Long-term care occurs only in nursing facilities.
A) True
B) False
ANS: B) False
Long-term care can occur in a variety of places, including in an individual's home,
at community sites and centers, and in care facilities.
4. Which of the following most precisely defines the fundamentals of self-careand
the basic tasks of everyday life?
,A) instrumental activities of daily living
B) activities of daily living
C) self-awareness
D) mental activity
ANS: B) Activities of daily living
Activities of daily living are the fundamentals of self-care. They are the basic tasks
of everyday life, which include eating, bathing, dressing, toileting, and transferring.
, Instrumental activities are those that are associated with interacting with one's
community or home.
5. Which level of care has as its chief characteristic assistance with ADLs?
A) Custodial
B) Intermediate
C) Skilled
D) Managed
ANS: A) Custodial
The primary characteristic of which is to provide assistance with the activities of daily
living, helps meet personal rather than medical needs.
6. All of the following are examples of formal caregiving EXCEPT:
A) home health aides
B) intermediate care facilities
C) volunteer charitable groups
D) daily transportation to a senior center provided by a neighbor
ANS: D) dailytransportation to a senior center provided by a neighbor
Formal caregiving is paid, or volunteer care is provided through a service system.
Informal care is delivered by family or friends.
