CLAHS California Life, Accident and Health or Sickness Examination - Set 5 - Part 2

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 21: Key-person disability insurance is owned by and pays benefits to which party when an essential employee becomes disabled?

The disabled employee

The employee's family

The business

A charity

Question 22: A business overhead expense policy reimburses a disabled business owner for which of the following?

Fixed business expenses like rent and utilities

The owner's personal salary

The owner's medical bills

A lump-sum death benefit

Question 23: Disability buy-sell, or buyout, insurance provides the funds to do which of the following?

Pay the disabled owner's salary

Reimburse business overhead

Cover the owner's medical expenses

Purchase a disabled owner's business interest

Question 24: A residual disability benefit differs from a partial disability benefit because the residual benefit is calculated in which way?

As a flat half-benefit

In proportion to the income actually lost

As a single lump sum

Only for the first month

Question 25: A partial disability benefit is generally payable when the insured can do which of the following?

Perform no duties at all

Perform only recreational activities

Perform some but not all job duties

Perform every duty fully

Question 26: A primary reason people buy long-term care insurance is that Medicare generally does NOT cover which of the following?

Ongoing custodial care as the only need

Short-term skilled nursing after a hospital stay

Hospice for the terminally ill

Medically necessary home health visits

Question 27: Medi-Cal pays for long-term custodial care, but generally only after an individual has done which of the following?

Reached age sixty-five

Worked forty quarters

Bought a Medigap policy

Spent down assets to meet means limits

Question 28: Skilled nursing care, as a level of long-term care, is best described as care that is provided in which manner?

Occasionally by family members

Only by the patient alone

Around the clock by licensed nurses

Without any physician involvement

Question 29: Custodial care in a long-term care setting is best described as which of the following?

Intensive treatment by specialists

Help with daily activities, no medical training

Emergency surgery

Round-the-clock skilled nursing

Question 30: Intermediate care differs from skilled nursing care primarily in which respect?

It requires no licensed personnel

It is delivered only at home

It is the same as custodial care

It is provided intermittently, not constantly

Question 31: Respite care under a long-term care policy is designed mainly to do which of the following?

Give the regular caregiver a temporary break

Provide permanent nursing-home placement

Pay the insured's medical bills

Replace lost income

Question 32: An adult day care center, as a long-term care setting, provides which of the following?

Around-the-clock inpatient hospital care

Overnight skilled nursing only

Daytime supervision and social support

Comfort care for the terminally ill

Question 33: An assisted living facility is most appropriate for a person who fits which description?

Requires intensive hospital treatment

Is terminally ill and needs comfort care

Needs only daytime supervision

Needs some help but is fairly independent

Question 34: Long-term care benefit triggers commonly measure a person's ability to perform the activities of daily living, which include which of the following?

Driving and cooking

Bathing, dressing, and eating

Managing money and shopping

Working and commuting

Question 35: Which of the following is NOT one of the standard activities of daily living used as a long-term care benefit trigger?

Driving a car

Bathing

Transferring

Eating

Question 36: Besides the inability to perform activities of daily living, the second standard long-term care benefit trigger is which of the following?

Reaching a certain age

A prior hospital stay

A cognitive impairment requiring substantial supervision

Loss of employment

Question 37: How does a typical long-term care policy treat Alzheimer's disease and other organic-based dementias?

They are excluded as mental illness

They are covered only after age eighty

They require a prior hospital stay

They are covered conditions

Question 38: A long-term care policy must provide coverage for a minimum benefit period of at least which of the following?

Twelve months

One month

Six months

Five years

Question 39: Choosing a longer elimination period on a long-term care policy generally has what effect on the premium?

It raises the premium

It has no effect on premium

It lowers the premium

It voids the policy

Question 40: A tax-qualified long-term care policy generally requires inability to perform how many of the six activities of daily living, lasting at least ninety days?

At least one

At least two

All six

At least four

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