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11. Who among the following has coverage for extended long. term care? O 2. Annc, who is cneollod in Mcdicare Parts A and B o b. Sandra, who is cnrolled in a Medicare Advantage plan oc. Kendra, who is enrolled in Modicare Parts A and B and who purchased a Medigap Plan K o d. Anne, sandra, and Kendra are nat covered for cotended long term care. 12. Emily, age 67, enters the hospltal on March 1,2022 . she is discharged on March 31. For purposes of Medicare, when does her neat benefit period begin? D 2. April 1, 2022 Q b. Junc 1, 2022 c. September 1, 2022 od. danuary 1,2023 13. To be elligible for Modicald, an individual must meet certain criteria. These criteria include all of the following EXCEPT: 0 2. The individual must bolong to a demographic group that his or her state has dctinod as Mcolcaid cligible ob. The indlvidual must be currently insttutionaliscd. o c. The indlvidual must have a medical or functional impairment. od. The individuals assets and income must be at or below specificd levels. 14. Zche is in a penalty period for Medicaid payment of his long term care. Which of the following statements is true? 0 a. zeke moved into a non Modicaid certficed facility. o b. Icke sitted an asset within ftue years of applying for Mcolcaid. oc. Iche roccivod a sum of money after quslifying for Mcdicaid. od. Icke purchaced a long term care insurance policy. 15. Ula Brown is placed in a nursing home for which she recsives Mcdicald benctits. The Browns llve in a state where the monthly maintenance nocds allowance for the at home spouse is $2,500. Tom Erown's monthly income from a combination of pension and Social Security is $2,300. Lila's personal income consists of $1,200 in Soclal Security. How much of Tom's current income must go toward paying for his wite's long term medical care? ob. $300 oc. $1,600 od. $2,000 16. What are foderal Medicald block gant payments to states based on? O 2. the sion of the starc's tatal population o b. the number of the state's residents who are age 65 and older OC. the state's residents' combined annusl contribution to Social Security od. the state's awcrage per capita income 17. The following are all typical of group LTC pollcies EXCEPT: Q 2. Iess restrictive underwriting o b. guarantocd issuc oc. limis to the number of options that each employoe may sciect od. total bencfit periods that are limited to 12 months 18. To be deemed tax qualified, a long term care pollcy must provide for which of the following? Q 2. The policy must psy benctis when the inaured ls unabic to perfarm any one of ske ADL. ob. The policy msy pay bencfits only if the insured is determined to be cognittuciy impsired. oc. The insurod's necd for acsicance is cupected to continue for at least 90 days. od. The policy must include modical necessity as a bencfit trigber. 19. Lia owns a tax qualificd long term care policy. All of the following statements are trus EXCEPT: 0 2. her coverage will continue as long as she pays the promiums when they're due o b. the premiums she pays for the policy are clig bic for the medical cxpenee tax doduction O c. exther a cognittue impainment or ADL impairment will trigger payment of policy benctits od. she was roquired to purchase inflation procection 20. Which of the following represents a legitimate increase in LTC policy premiums for cxlsting linsureds? 0 2. Insurcr A lasued a premium increase notice for anyone whase claims cxperience had been 10 percent higher than originaly anticipstod. o b. lnaurer B rabod the premiums of all its insureds in a particular city whose residents filed twice as many claima per capita than any otherelty. OC. Insurer Craisod the premiums of Lester's pollcy bocause he has shawn symptoms of cognithoc failing. od. Insurer D increased roncwal premiums for all its insureds who are age 71 and over. 11. Who among the following has coverage for extended long. term care? O 2. Annc, who is cneollod in Mcdicare Parts A and B o b. Sandra, who is cnrolled in a Medicare Advantage plan oc. Kendra, who is enrolled in Modicare Parts A and B and who purchased a Medigap Plan K o d. Anne, sandra, and Kendra are nat covered for cotended long term care. 12. Emily, age 67, enters the hospltal on March 1,2022 . she is discharged on March 31. For purposes of Medicare, when does her neat benefit period begin? D 2. April 1, 2022 Q b. Junc 1, 2022 c. September 1, 2022 od. danuary 1,2023 13. To be elligible for Modicald, an individual must meet certain criteria. These criteria include all of the following EXCEPT: 0 2. The individual must bolong to a demographic group that his or her state has dctinod as Mcolcaid cligible ob. The indlvidual must be currently insttutionaliscd. o c. The indlvidual must have a medical or functional impairment. od. The individuals assets and income must be at or below specificd levels. 14. Zche is in a penalty period for Medicaid payment of his long term care. Which of the following statements is true? 0 a. zeke moved into a non Modicaid certficed facility. o b. Icke sitted an asset within ftue years of applying for Mcolcaid. oc. Iche roccivod a sum of money after quslifying for Mcdicaid. od. Icke purchaced a long term care insurance policy. 15. Ula Brown is placed in a nursing home for which she recsives Mcdicald benctits. The Browns llve in a state where the monthly maintenance nocds allowance for the at home spouse is $2,500. Tom Erown's monthly income from a combination of pension and Social Security is $2,300. Lila's personal income consists of $1,200 in Soclal Security. How much of Tom's current income must go toward paying for his wite's long term medical care? ob. $300 oc. $1,600 od. $2,000 16. What are foderal Medicald block gant payments to states based on? O 2. the sion of the starc's tatal population o b. the number of the state's residents who are age 65 and older OC. the state's residents' combined annusl contribution to Social Security od. the state's awcrage per capita income 17. The following are all typical of group LTC pollcies EXCEPT: Q 2. Iess restrictive underwriting o b. guarantocd issuc oc. limis to the number of options that each employoe may sciect od. total bencfit periods that are limited to 12 months 18. To be deemed tax qualified, a long term care pollcy must provide for which of the following? Q 2. The policy must psy benctis when the inaured ls unabic to perfarm any one of ske ADL. ob. The policy msy pay bencfits only if the insured is determined to be cognittuciy impsired. oc. The insurod's necd for acsicance is cupected to continue for at least 90 days. od. The policy must include modical necessity as a bencfit trigber. 19. Lia owns a tax qualificd long term care policy. All of the following statements are trus EXCEPT: 0 2. her coverage will continue as long as she pays the promiums when they're due o b. the premiums she pays for the policy are clig bic for the medical cxpenee tax doduction O c. exther a cognittue impainment or ADL impairment will trigger payment of policy benctits od. she was roquired to purchase inflation procection 20. Which of the following represents a legitimate increase in LTC policy premiums for cxlsting linsureds? 0 2. Insurcr A lasued a premium increase notice for anyone whase claims cxperience had been 10 percent higher than originaly anticipstod. o b. lnaurer B rabod the premiums of all its insureds in a particular city whose residents filed twice as many claima per capita than any otherelty. OC. Insurer Craisod the premiums of Lester's pollcy bocause he has shawn symptoms of cognithoc failing. od. Insurer D increased roncwal premiums for all its insureds who are age 71 and over