1-10 11-20 21-25 21. In terms of potential down-side risks to owning a partnership-qualified LTC policy and participating in a state LTC partnership program, which of the following is least likely to occur? a. After Archie purchases his partnership-qualified policy, his state program is terminated and his previously protected assets are no longer exempt from Medicaid's spend-down rules. o b. Sybil moves to another state and discovers that her Medicaid asset spend-down exemption is no longer available. oc. George is receiving home health care benefits under his insurance policy and learns that home health care will not be covered if he has to apply to Medicaid. od. Though Donna's partnership-qualified policy will exempt $150,000 in personal assets from Medicaid's spend-down rules, there is no guarantee that those assets will be preserved for heirs, because she could spend them in other ways before she dies. 22. Long-term care insurance must be sold using what type of approach? a. feature-based ob. needs-based oc. fear-based d. cost-based