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 – Answer 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.
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 – Answer A) to maintain functionality
Long-term care is chronic care with the aim of management and control of symptoms
and maintenance of function.
Long-term care occurs only in nursing facilities.
A) True
B) False – Answer 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.
Which of the following most precisely defines the fundamentals of self-care and the
basic tasks of everyday life?
A) instrumental activities of daily living
B) activities of daily living
C) self-awareness
D) mental activity – Answer 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.
Which level of care has as its chief characteristic assistance with ADLs?
A) Custodial
B) Intermediate
C) Skilled
D) Managed – Answer A) Custodial
The primary characteristic of which is to provide assistance with the activities of daily
living, helps meet personal rather than medical needs.
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 – Answer D) daily
transportation 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.
All of the following are services commonly offered by assisted living residences
EXCEPT:
A) health care management
B) help with medications
C) housekeeping
D) continuous post-operative monitoring – Answer D) continuous post-operative
monitoring
Assisted living residences generally provide most personal and health care services
except for skilled nursing care, such as continuous post-operative monitoring, which
can only be offered by a skilled nursing facility.
Which of the following is NOT an example of home or community-based long-term
care?
A) adult day care
B) CCRCs
C) respite care
D) hospice care – Answer B) CCRCs
Continuing care retirement communities, or CCRCs, are large, campus-like facilities
that house residents and provide a complete range of long-term care.
A long-term care ombudsman represents people in a given geographical area who
live in assisted living residences or skilled nursing facilities.
A) True
B) False – Answer A) True<\/p>\n\n\n\n