Doclaura

Accident - ANS An unplanned, unforeseen event which occurs suddenly and at an unspecified place. Adhesion - ANS "A contract offered on a ""take-it-or-leave-it"" basis by an insurer, in which the insured's only option is to accept or reject the contract. Any ambiguities in the contract will be settled in favor of the insured." Adverse Selection - ANS The tendency of risks with higher probability of loss to purchase and maintain insurance more often than the...

all of the following information about a customer must be used in determining annuity suitability EXCEPT - ANS Beneficiaries age how must a replacing producer respond to an applicant wishing to replace existing life insurance? - ANS the producer must provide the applicant with a notice regarding replacement Which of the following is the basic source of information used by the company in the risk selection process? - ANS application Which of the following state...

all of the following information about a customer must be used in determining annuity suitability EXCEPT - ANS Beneficiaries age how must a replacing producer respond to an applicant wishing to replace existing life insurance? - ANS the producer must provide the applicant with a notice regarding replacement Which of the following is the basic source of information used by the company in the risk selection process? - ANS application Which of the following state...

Sally is considering her Medicare options. She understands that to enroll in Medicare Part B, she will have to pay a monthly premium. Since she is healthy, she is considering delaying her enrollment until later. Will she be able to enroll at a later date? 1.Yes, she can enroll at anytime in the future 2.Yes, however; she would have a permanent premium penalty when she does enroll 3.No, this is a take or leave it situation 4.Yes, but she would have to show evidence of good health. - ANS ...

Sally is considering her Medicare options. She understands that to enroll in Medicare Part B, she will have to pay a monthly premium. Since she is healthy, she is considering delaying her enrollment until later. Will she be able to enroll at a later date? 1.Yes, she can enroll at anytime in the future 2.Yes, however; she would have a permanent premium penalty when she does enroll 3.No, this is a take or leave it situation 4.Yes, but she would have to show evidence of good health. - ANS ...

How many eligible employees must be included in a contributory health insurance plan? - ANS 50% A man works for Company A and his wife works for Company B. The spouses are covered by health plans through their respective companies that also cover the other spouse. If the husband files a claim, - ANS The insurance through his company is primary. What is the period of coverage for events such as death or divorce under COBRA? - ANS 36 months Twenty-five days afte...

Which policy provision permits the policy owner to take a specified number of days to examine the contract, and allows for cancellation and a full refund if the policy owner rejects the terms or costs? - ANS Free Look When will a policy pay on a UCR basis? - ANS When particular benefits are not listed on a payment schedule Which type of rider reimburses health and social service expenses incurred in a convalescent or nursing home facility? - ANS long term care ri...

Which type of life insurance policy is best suited for paying off the outstanding balance of a 30-year mortgage in the event of the insured's death? - ANS 30-year decreasing term. How many days notice does the ACA require insurers to give before rescinding coverage? - ANS 30 A signed good health statement may be requested by a life producer at the time of - ANS Policy Delivery Carol purchases a whole life policy that provides a choice of dividend options. Thi...

Both the structure and the contents of a mobile home can be insured by purchasing? - ANS either a mobile home package policy or an HO2 or HO3 with the mobile homeowners endorsement Up to how many days may an auto insurance policy be in force and still be cancelled by the insurer for any reason? - ANS 60 Each of the following may be covered under commercial general liability insurance except? - ANS Personal liability According to the principle of indemnity? ...

Which policy provision permits the policy owner to take a specified number of days to examine the contract, and allows for cancellation and a full refund if the policy owner rejects the terms or costs? - ANS Free Look When will a policy pay on a UCR basis? - ANS When particular benefits are not listed on a payment schedule Which type of rider reimburses health and social service expenses incurred in a convalescent or nursing home facility? - ANS long term care ri...

Which of the following is true of ageism? A. It is discrimination against persons solely on the basis of age. B. It causes a person to fear aging. C. It involves the use of cultural sensitivity to address concerns of aging. D. It focuses on resources for the older adult. - ANS A What housing option for the older adult offers the privacy of an apartment with restaurant-style meals and some medical and personal care services? A. Government-subsidized housing B. Long-term care fa...

Therapeutic/healing touch and Reiki both involve movement of a practitioner's hands over the patient's body to balance energy fields. Which of these two practices has been shown through large-scale controlled studies to be effective? - ANS Therapeutic/healing touch is the only therapy to be researched in a large-scale controlled study. The ________ pathway signals the endocrine system to release hormones, particularly thyroid and adrenal, which have a direct effect on the immune sy...

A plan of care for the older adult patient with COPD should include which of the following? a. Progressive exercise such as walking b. Drinking 3 L/day of water unless contraindicated c. O2admin of 50% via face mask d. Using the tripod position when sitting e. Chronic long term, low dose oral corticosteroid therapy glucose levels f. Teaching pursed lip breathing and huff coughing - ANS A,B,D,F On auscultation of an older adult patients lungs who has the diagnosis of pneumonia...

A 75-year-old female patient, whose marriage ended in divorce after two years, has lived alone for the past 50 years. Feeling as if her life has had little meaning, the patient is terrified of living out her remaining years and of dying. The age-related issue to be resolved is: a)disengagement versus activity. b)ego integrity versus despair. c)self-determination versus resignation d) self-esteem versus self-actualization. - ANS ego integrity vs despair An 80-year-old male patient...

A - ANS A pt treated w/ antihypertensive medication is planning to start using meditation to promote relaxation and reduce anxiety. The nurse cautions the pt about which of the following? a. the BP should be monitored frequently bc the medication might need to be adjusted b. meditation can be used successfully only if the pt is responsive to suggestion c. meditation can be a good complementary therapy, and may allow the pt to stop his medications completely d. frequent appointme...

-Thickening and stiffening of valves, left atrium, and left ventricle -Slight myocardial atrophy or hypertrophy -Neuroconduccion changes: Less pacemaker cells and irregularly shaped; may cause dysrhythmias -Altered baroreflex mechanisms - ANS Age-related changes that affect cardiovascular function: Degenerative changes of the myocardium include... Thicken and stiffen - ANS What happens to the valves, left atrium, and left ventricle with age? -Valves -Left atrium -Lef...

What action by the nurse is most important for preventing hospital-acquired infections in the older population? - ANS Appropriate hand hygiene. Hand hygiene is the most effective infection control action the nursing staff can take. The nurse on a medical acute care unit is preparing for the admission of an 84-year-old patient with several diagnosed chronic illnesses. The nurse begins the plan of care for this patient based on the understanding that the older adult is likely to: - ...

The practical nurse (PN) is assigned the care of an older client with venous stasis ulcers. A primary foal in the client's plan of care is to decrease swelling in the extremities. What should the PN do to meet this goal? - ANS Elevate the legs of the pillow An older woman asks the practical nurse (PN0 how she can decrease her chances of getting cystitis. What information should the PN provide? - ANS Void and empty bladder completely q2 to 3 hours The home health practica...

The following are normal changes except: - ANS Presbyopia, urinary incontinence Activities of daily living include: - ANS Bathing A common tool used for evaluating ADL's is: - ANS The Kratz scale A common symptom of myocardial infarction in an older adult: - ANS Lethargy and Confusion An important health problem that the nurse should help the older adult prevent is: - ANS Fecal impaction, Dehydration, Malnutrition An example of an intr...

ordered is 3000 U SQ of heparin. Available is 5000 U per mL. How many mL will you give? - ANS 0.6 Which nursing action will be most helpful in decreasing the risk for drug-drug interactions in an older adult? - ANS have the patient bring all medications, supplements, and herbs to each appointment The nurse plans to complete a physical examination of an alert, older patient. Which adaptations to the examination technique should the nurse include? - ANS organize th...