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Exam (elaborations)

WebCE Long-Term Care Insurance Exam | 2025/2026 | 100+ Qs with Answers – LTCI, Medicare, Medicaid, HIPAA

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This document contains over 100 fully verified multiple-choice questions and answers from the WebCE Long-Term Care Insurance (LTCI) Exam for the 2025/2026 certification cycle. It comprehensively covers long-term care policy structures, federal and state regulations, Medicare and Medicaid eligibility, suitability rules, partnership-qualified plans, and taxation implications. The material reflects A+ level mastery and is ideal for pre-licensing, CE (continuing education), or professional certification prep. Core topics include: LTCI Policy Triggers: Activities of daily living (ADLs), cognitive impairment, benefit periods, elimination periods, guaranteed renewability Care Levels & Services: Custodial vs. skilled care, home and community-based services, assisted living vs. nursing homes Medicare & Medicaid: Parts A–D, coverage limits, asset transfer rules, look-back periods, spousal protection, state-level CARES assessments, eligibility criteria Taxation & Policy Types: Qualified LTCI, HIPAA standards, partnership policies, inflation protection, tax deductions for self-employed and LLCs Ethics & Suitability: NAIC Model Act, suitability letters, misrepresentation, producer responsibility Hybrid Products & Alternatives: Viatical settlements, annuity-based LTC riders, life insurance acceleration for chronic illness Florida-specific Medicaid rules: CARES unit role, asset thresholds, joint tenancy, undue hardship exemptions This resource is perfect for: Insurance professionals preparing for WebCE LTCI certification or state licensing Individuals completing continuing education (CE) requirements in life/health insurance or long-term care Financial advisors and compliance officers working with aging clients, estate planning, or Medicare/Medicaid coordination Nursing home administrators, healthcare consultants, and care coordinators needing regulatory and benefit program knowledge Each question is presented with the correct answer and a brief explanation for context, enabling both factual recall and conceptual understanding. Keywords: WebCE, long-term care insurance, LTCI exam, Medicaid eligibility, Medicare Part A B C D, partnership policy, benefit triggers, HIPAA, guaranteed renewable, custodial care, elimination period, inflation protection, suitability letter, NAIC regulations, tax-qualified LTCI, CARES unit Florida, asset transfer rules, viatical settlement, hybrid annuity, producer training

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Uploaded on
January 16, 2026
Number of pages
37
Written in
2025/2026
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WebCE 2025/2026 Exam Questions and
Answers | A+ Score Assured



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,



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, 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

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