LTC Exam UPDATED Exam Questions and
CORRECT Answers
Which of the following most precisely defines the fundamentals of self-care and the basic tasks
of everyday life? - CORRECT ANSWER - Activities of Daily Living
What is a primary goal of long-term care? - CORRECT ANSWER - to maintain
functionality
On what basis are benefits payable under a long-term care insurance policy typically triggered? -
CORRECT ANSWER - c. the inability to perform defined ADLs
That's correct! 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.
Long-term care occurs only in nursing facilities. - CORRECT ANSWER - b. False
That's correct! 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 is not an example of home or community-based long-term care? -
CORRECT ANSWER - b. CCRCs
That's correct! Continuing care retirement communities, or CCRCs, are large, campus-like
facilities that house residents and provide a complete range of long-term care.
Which level of care has as its chief characteristic assistance with ADLs? - CORRECT
ANSWER - a. custodial
That's correct! Custodial care, 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: - CORRECT
ANSWER - d. daily transportation to a senior center provided by a neighbor
, That's correct! Formal caregiving is paid or volunteer care provided through a service system.
Informal care is delivered by family or friends.
A long-term care ombudsman represents people in a given geographical area who live in assisted
living residences or skilled nursing facilities. - CORRECT ANSWER - a. True
That's correct! A long-term care ombudsman, as a local representative for those in assisted living
facilities or SNFs, can be a valuable source of information about various local facilities for those
seeking housing for the elderly.
All of the following are services commonly offered by assisted living residences EXCEPT: -
CORRECT ANSWER - d. continuous post-operative monitoring
That's correct! 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.
With regard to Medicare and long-term care, which of the following statements is true? -
CORRECT ANSWER - c. Medicare covers care in a skilled nursing facility for a limited
time, but only if the care follows an admitted hospital stay and is ordered by a physician.
That's correct! Medicare covers care in a skilled nursing facility if it is preceded by a hospital
stay of at least three days and if the care is ordered by a physician. This benefit extends for only
100 days.
Medicare covers the cost of long-term custodial care in the home when it is delivered by a
Medicare-certified agency. - CORRECT ANSWER - . False
That's correct! Medicare does not cover the cost of long-term custodial care, regardless of where
it is delivered or who delivers the care.
Which of the following only covers inpatient hospital care and hospice? - CORRECT
ANSWER - . Medicare Part A
That's correct! Part A helps pay for inpatient care in a hospital or skilled nursing facility
(following a hospital stay), some home health care, and hospice care.
CORRECT Answers
Which of the following most precisely defines the fundamentals of self-care and the basic tasks
of everyday life? - CORRECT ANSWER - Activities of Daily Living
What is a primary goal of long-term care? - CORRECT ANSWER - to maintain
functionality
On what basis are benefits payable under a long-term care insurance policy typically triggered? -
CORRECT ANSWER - c. the inability to perform defined ADLs
That's correct! 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.
Long-term care occurs only in nursing facilities. - CORRECT ANSWER - b. False
That's correct! 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 is not an example of home or community-based long-term care? -
CORRECT ANSWER - b. CCRCs
That's correct! Continuing care retirement communities, or CCRCs, are large, campus-like
facilities that house residents and provide a complete range of long-term care.
Which level of care has as its chief characteristic assistance with ADLs? - CORRECT
ANSWER - a. custodial
That's correct! Custodial care, 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: - CORRECT
ANSWER - d. daily transportation to a senior center provided by a neighbor
, That's correct! Formal caregiving is paid or volunteer care provided through a service system.
Informal care is delivered by family or friends.
A long-term care ombudsman represents people in a given geographical area who live in assisted
living residences or skilled nursing facilities. - CORRECT ANSWER - a. True
That's correct! A long-term care ombudsman, as a local representative for those in assisted living
facilities or SNFs, can be a valuable source of information about various local facilities for those
seeking housing for the elderly.
All of the following are services commonly offered by assisted living residences EXCEPT: -
CORRECT ANSWER - d. continuous post-operative monitoring
That's correct! 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.
With regard to Medicare and long-term care, which of the following statements is true? -
CORRECT ANSWER - c. Medicare covers care in a skilled nursing facility for a limited
time, but only if the care follows an admitted hospital stay and is ordered by a physician.
That's correct! Medicare covers care in a skilled nursing facility if it is preceded by a hospital
stay of at least three days and if the care is ordered by a physician. This benefit extends for only
100 days.
Medicare covers the cost of long-term custodial care in the home when it is delivered by a
Medicare-certified agency. - CORRECT ANSWER - . False
That's correct! Medicare does not cover the cost of long-term custodial care, regardless of where
it is delivered or who delivers the care.
Which of the following only covers inpatient hospital care and hospice? - CORRECT
ANSWER - . Medicare Part A
That's correct! Part A helps pay for inpatient care in a hospital or skilled nursing facility
(following a hospital stay), some home health care, and hospice care.
