Trivia Quiz: How Much Do You Know About Long Term care Policies?

19 Questions

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Trivia Quiz: How Much Do You Know About Long Term care Policies?

How Much Do You Know About Long Term Care Policies? People who are undergoing treatment or rehabilitation from an illness are in need of specialized continuous care, and there are insurance companies that offer this cover. Take this comprehensive quiz and get to see how much you know about the policies and what a patient gets to enjoy. All the best!


Questions and Answers
  • 1. 
     Long Term Care policies are written as:
    • A. 

      Guaranteed Renewable

    • B. 

      Cancellable

    • C. 

      Term

    • D. 

      Non-Refundable

  • 2. 
    Long Term Care policies must provide coverage for at least __ months of care in a setting other than an acute care unit of a hospital.
    • A. 

      6

    • B. 

      12

    • C. 

      24

    • D. 

      30

  • 3. 
    Personal independence of daily living refers to which of the following?
    • A. 

      Activities of daily living

    • B. 

      Total living

    • C. 

      An elimination period

    • D. 

      A Benefit period

  • 4. 
    Bob is considered to be chronically ill because he is unable to perform how many activities of daily living?
    • A. 

      1 or more

    • B. 

      2 or more

    • C. 

      3 or more

    • D. 

      More than 5

  • 5. 
    What type of care is Daily Nursing Rehabilitative Care, under the supervision of a skilled professional?
    • A. 

      Skilled Care

    • B. 

      Intermediate Care

    • C. 

      Custodial Care

    • D. 

      Respite Care

  • 6. 
    What type of care provides a break or relief from caring for a patient?
    • A. 

      Home Health Care

    • B. 

      Respite Care

    • C. 

      Adult Health Care

    • D. 

      Custodial Care

  • 7. 
    What type of care often includes help from homemakers or therapists?
    • A. 

      Custodial Care

    • B. 

      Adult Day Care

    • C. 

      Respite Care

    • D. 

      Home Health Care

  • 8. 
    Which of the following is not covered under Nursing Home Care?
    • A. 

      When it is treatment for a covered injury

    • B. 

      When it is treatment for a covered illness

    • C. 

      When it is associated with Skilled Care

    • D. 

      When it is needed as a direct result of aging

  • 9. 
    What type of program is Medicaid?
    • A. 

      Government funded

    • B. 

      Government and State funded

    • C. 

      State Law funded

    • D. 

      County and State funded

  • 10. 
    Specialized care that includes Occupational Therapy, is called?
    • A. 

      Home Health Care

    • B. 

      Respite Care

    • C. 

      Skilled Care

    • D. 

      Intermediate Care

  • 11. 
    What type of care is considered a benefit to family members?
    • A. 

      Intermediate Care

    • B. 

      Adult Day Care

    • C. 

      Respite Care

    • D. 

      Custodial Care

  • 12. 
    This type of care often involves activities with meals being part of the service?
    • A. 

      Home Health C are

    • B. 

      Adult Day Care

    • C. 

      Intermediate Care

    • D. 

      Respite Care

  • 13. 
    Sue wants care that provides transportation to and from centers that have a variety of activities. What type of care does Sue desire?
    • A. 

      Respite Care

    • B. 

      Adult Day Care

    • C. 

      Home Health Care

    • D. 

      Custodial Care

  • 14. 
     Medicaid would most likely be for which of the following?
    • A. 

      An impoverished person

    • B. 

      An injured person

    • C. 

      A person over 65

    • D. 

      A person recovering from a drug addiction

  • 15. 
     Intermediate Care is daily, but not:
    • A. 

      Occasional Care

    • B. 

      24 Hour Care

    • C. 

      Rehabilitative Care

    • D. 

      Provided by medical personnel

  • 16. 
    The elimination period for LTC is usually
    • A. 

      30, 60, 90, or 180 days

    • B. 

      10, 20, 30, or 60 days

    • C. 

      5, 15, 25, or 45 days

    • D. 

      No elimination period

  • 17. 
    When an insured is hospitalized for ___ days, Medicare will pay for the first 20days in an approved nursing home care facility.
    • A. 

      5

    • B. 

      14

    • C. 

      7

    • D. 

      3

  • 18. 
    Long Term Policies may not be written as which of the following?
    • A. 

      Riders/Endorsements to life insurance policies

    • B. 

      Individual policies

    • C. 

      Group policies

    • D. 

      Medical coverage

  • 19. 
    All are exclusions of Long Term Care policy except:
    • A. 

      Rest cures

    • B. 

      Nervous or mental disorders that have no demonstrable organic cause

    • C. 

      Chemical dependency on prescription drugs that are intially given by a DR.

    • D. 

      Injury arising due to committing a felony