All of the following are true of an accelerated death benefit except:
A) It can be a rider on a life insurance policy
B) There are restrictions on how the money can be used
C) It is part of the Medicare Hospice Benefit
D) It allows the insured person to use some of the policy's benefit prior to dying
Give this one a try later!
Answer: C) It is part of the Medicare Hospice Benefit
Rationale: Some life insurance policies have an accelerated death benefit
(ADB) rider, allowing the insured person to use some of the policy's benefit
, prior to dying. The ADB is deducted from the amount the beneficiaries
receive at death. There are restrictions on how the one can be used;
generally, it can be used for the long-term care and medical expenses.
A 68-year-old wheelchair bound patient, who resides in an assisted living facility
arrives for his routine yearly exam. He is accompanied by his caregiver, who he
appears fearful of. He is unkempt, dehydrated, thin and frail appearing. He avoids eye
contact when answering questions. The appropriate action for the case manager is to:
A) Notify state protective services or other appropriate state authorities.
B) Confront the caregiver.
C) Notify the owner of the assisted living facility.
D) Notify the attending physician, it is his responsibility to take appropriate action.
Give this one a try later!
Answer: A) Notify state protective services or other appropriate state
authorities.
Rationale: Case managers are mandated report of abuse or neglect. If
abuse or neglect is suspected, they must notify Adult Protective Services or
other appropriate state authorities. Other steps may need to be taken such
as transferring the patient to another assisted living
facility, notifying the facility owner or physician. Confronting the caregiver
may place the patient in jeopardy.
The Instrumental Activities of Daily Living (IADL) tool includes assessment of all of the
following except:
A) Shopping
B) Ability to use telephone
C) Ability to navigate stairs
D) Ability to handle finances
Give this one a try later!
A) It can be a rider on a life insurance policy
B) There are restrictions on how the money can be used
C) It is part of the Medicare Hospice Benefit
D) It allows the insured person to use some of the policy's benefit prior to dying
Give this one a try later!
Answer: C) It is part of the Medicare Hospice Benefit
Rationale: Some life insurance policies have an accelerated death benefit
(ADB) rider, allowing the insured person to use some of the policy's benefit
, prior to dying. The ADB is deducted from the amount the beneficiaries
receive at death. There are restrictions on how the one can be used;
generally, it can be used for the long-term care and medical expenses.
A 68-year-old wheelchair bound patient, who resides in an assisted living facility
arrives for his routine yearly exam. He is accompanied by his caregiver, who he
appears fearful of. He is unkempt, dehydrated, thin and frail appearing. He avoids eye
contact when answering questions. The appropriate action for the case manager is to:
A) Notify state protective services or other appropriate state authorities.
B) Confront the caregiver.
C) Notify the owner of the assisted living facility.
D) Notify the attending physician, it is his responsibility to take appropriate action.
Give this one a try later!
Answer: A) Notify state protective services or other appropriate state
authorities.
Rationale: Case managers are mandated report of abuse or neglect. If
abuse or neglect is suspected, they must notify Adult Protective Services or
other appropriate state authorities. Other steps may need to be taken such
as transferring the patient to another assisted living
facility, notifying the facility owner or physician. Confronting the caregiver
may place the patient in jeopardy.
The Instrumental Activities of Daily Living (IADL) tool includes assessment of all of the
following except:
A) Shopping
B) Ability to use telephone
C) Ability to navigate stairs
D) Ability to handle finances
Give this one a try later!
