#1
What is the average annual cost of a private room in a nursing home in the United States?
$90,000 - $100,000
ExplanationTypical cost range for private nursing home rooms.
#2
Which of the following is NOT a type of long-term care service?
Urgent care clinics
ExplanationUrgent care clinics are not designed for long-term care needs.
#3
Which of the following is a common source of funding for long-term care services?
Long-term care insurance
ExplanationInsurance specifically designed to cover long-term care expenses.
#4
In which setting does respite care typically take place?
Home
ExplanationShort-term care provided at home for caregivers' relief.
#5
What percentage of people turning age 65 will need some form of long-term care services in their lifetime, according to the U.S. Department of Health and Human Services?
70%
ExplanationApproximately 70% of individuals will require long-term care at some point.
#6
What is the purpose of a living will?
To specify desired medical treatments
ExplanationLegal document indicating medical treatment preferences.
#7
Which government program provides health coverage for low-income individuals and families?
Medicaid
ExplanationMedicaid offers healthcare assistance for those with low income.
#8
What is the primary difference between skilled nursing care and custodial care?
Custodial care includes assistance with activities of daily living.
ExplanationSkilled care involves medical needs, while custodial care assists with daily activities.
#9
What is the purpose of the CARE Act?
To support family caregivers
ExplanationLegislation aimed at aiding family members caring for loved ones.
#10
What does ADL stand for in the context of long-term care?
Activities of Daily Living
ExplanationBasic tasks necessary for everyday functioning.
#11
What is the maximum benefit period for long-term care insurance policies?
Lifetime
ExplanationCoverage extends for the duration of the insured's life.
#12
Which of the following is NOT a factor affecting the cost of long-term care insurance?
Income level
ExplanationIncome level typically does not directly influence long-term care insurance costs.
#13
What is a 'waiver program' in the context of long-term care?
A program that allows Medicaid to waive the requirement for institutional care
ExplanationAllows Medicaid recipients to receive care outside of traditional institutional settings.
#14
What is the main purpose of the Long-Term Care Partnership Program?
To provide financial incentives for purchasing long-term care insurance
ExplanationEncourages individuals to obtain long-term care insurance through incentives.
#15
Which of the following is NOT typically covered by Medicare for long-term care?
Assisted living facility expenses
ExplanationMedicare usually does not cover assisted living facility costs.