LONG TERM CARE CERTIFICATION TRAINING (8HRS)

In which of the following documents can the insured find a cautionary statement regarding incorrect information provided by the insured on the application?

Outline of Coverage

A medicare recipient is confined to a skilled facility for a period of 114 days. The patient will be responsible for the FUL cost of care in the facility for how many days?

14?

Which of the following can change when a long-term care policy is replaced?

Premium

Funding for the first Partnership Program was provided by the

Robert Wood Johnson Foundation.

All of the following are a person's assets EXCEPT

Taxes

The agent is known as the "Field Underwriter" because of the information he/she gathers for the insurer. This helps the insurer

?

To qualify under the Partnership Program, a policy must include all of the following provisions EXCEPT

?

Which of the following prospects is likely to have the lowest long-term care insurance premium?

?

Which of the following long-term care insurance policy combination is most likely to have the lowest premium?

A 100-day elimination period and a 3-year benefit period

Who is responsible for the assessment of an insured's medical condition and formulation of a plan to provide adequate care?

A care coordinator?

Which of the following would NOT be allowed membership in the NAIC?

A federal official

If long-term care policy contains a return of premium feature, the insurer will return

A percentage of the paid premiums if the insured dies or the policy is lapsed

Which of the following persons is NOT eligible for Medicare?

A person who has been entitled to Social Security Disability for 1 year

Which of the following best describes home health care?

Assistance with ADLs in the insured's residence by nurses and/or therapists

A long-term care policy owns a spacious home that needs routine maintenance that he is unable to do. Futhermore, shopping has become difficult because he no longer drives and often does not have transportation. Just managing his prescriptions is a chore. What kind of facility might he consider at this time?

Assisted living

With a generalized approach to the long-term care insurance rider, which of the following is true?

Benefits do not affect the face amount

A long-term care insurance prospect compares 2 similar policies and discovers that one offers home health care services and the other does not. Home health care coverage features all of the following EXCEPT

Benefits limited to Medicare certified agencies

An employee who plans to retire in 3 years is concerned that his employer's group long-term care plan will not cover his needs when he retires. What features would improve his benefits immediately?

Buy-up

Which of the following describes the difference care coordination benefits and custodial care benefits?

Care coordination benefit cover costs of general care planners, while custodial care benefits cover the costs of people who assist the disabled person with personal care

Which of the following will qualify as an exceptional increase in policy premium rates?

Changes in laws that affect all insurers of similar products

Which of the following would automatically qualify a person for long-term care benefits?

Cognitive impairment such as Alzheimer's disease

What type of retirement facility provides housing, medical, and nursing care for a lifetime through an initial fee and sometimes a monthly fee?

Continuing care retirement communities

The National Clearinghouse for long-term care information is funded through which federal act?

Deficit Reduction Act of 2005

Medicare falls under which of the following categories for funding long-term care needs?

Government programs

Upon retirement, a person with a disability policy converts the policy a long-term care policy. What type of rider was attached to the disability policy?

Guaranteed Insurability option?

On what basis are long-term care policies issued?

Guaranteed renewable

All of the following factors will increase a prospect's long-term care insurance premium EXCEPT

Increasing elimination period

To determine whether or not long-term care policies can be considered similar policy forms, they are classified as all of the following EXCEPT

Independent

The medical Information Bureau, which is supported by insurance companies, was designed to protect

Insurance companies from adverse selection by high risk persons

Respite care is provided for the benefit of which of the following?

The caregiver(s)

A group long-term care insurance plan was terminated by the employer. The insurer converted the employee's plan, but reduced the benefits and the premium. Which of the following is most likely true?

The employee is covered by another policy at the time of conversion

All of the following are advantages for group long-term care insurance EXCEPT

The employer retains employees because they lose coverage if they move to another employer

When an insured chooses the indemnity method of benefit payment, the insurer will pay

The fixed benefit amount, regardless of the actual charge.

Which of the following is a reason for using activities of daily living as a trigger for long-term care benefits?

The inability to perform these activities makes independent living impossible

A company replaces its group long-term care policy with a policy equal or better benefits. Regarding the issue age factor, how will premiums be determined?

The individual's age attained age at the time of the replacement policy?

Who must develop and maintain standards for long-term care insurance client suitability?

The insurance company

For personal long-term care insurance, premiums are deductible to the extent they exceed

10% of adjusted gross income

Consumer protection for substantial rate increases is provided under the contingent benefits upon lapse clause. This provision requires the policyholder to be notified of such increases within how many days of the effective date?

30?

An insured took out a long-term care insurance policy 5 years ago and recently suffered a heart attack. Now in recovery, he is concerned that his policy will be cancelled, just when he needs long-term care. Which of the following is true?

Coverage will continue as long as premiums are paid

An individual, age 51, has a qualified long-term care policy. He works for an employer and his adjusted gross income is $40,000. His monthly LTC policy premium is $100, and he does not itemize deductions. How much can this individual deduct from his taxable income?

None

An insured purchases a long-term care policy and pays extra to assure that if he is ever unable to make the premium payment, a portion of the benefits will be preserved. Which option has the insured purchased?

Nonforfeiture option

Which of the following would be the best long-term care facility choice for a person who needs the most specialized care?

Nursing home

A retiree undergoes surgery and is hospitalized for 7 days. Which of the following would NOT be covered under Medicare Part A and B?

Surgeon services

A long-term care insurance prospect is comparing a tax-qualified plan with a nonqualified plan. All of the following would be considered advantages for nonqualified plans EXCEPT

Tax deductibility

An applicant is considering purchasing a long-term care policy but wants to be sure it is a tax-qualified plan. Which of the following would alert the applicant of a nontax qualified plan?

Tax returns do not need to be itemized

An individual replaced his group long-term care policy with an individual policy. Under the new policy, which one of the following was NOT a mandatory condition?

The premium payment schedule remained the same as the previous policy?

An applicant selects long-term care policy with a longer than usual elimination period and a short benefit period. With regards to the premium amount, which of the following would apply?

The premium will be lowered due to the long elimination period and short benefit period?

A long-term care insurance prospect completes a financial analysis showing that their net assets total $325,000. The agent should conclude that

The prospect is suitable for long-term care plan?

An agent is qualifying a prospect for a long-term care policy. Which of the following is NOT an important suitability considerarion?

The prospect's educational level

Which of the following statements regarding replacement of long-term care(LTC) coverage is correct?

The replacement policy may not contain a new waiting period if that has already been satisfied in the existing policy

Under which of the following circumstances would a replacement policy be acceptable?

The replacement policy offers additional benefits with a correlating premium increase

All of the following are provisions of a tax qualified long-term policy EXCEPT

The taxpayer must be self-employed

An insured has been confined in a nursing facility and receiving benefits from a long-term care policy for 4 months. The insurer is no longer collecting premiums from the insured. Which of the following policy provisions provides this feature?

Waiver of premium?

A report ordered by underwriting shows an applicant has been arrested for drunk driving 3 times.What type of hazard has the applicant exhibited?

morale

For the purpose of life insurance underwriting, a 35-year-old male who is in excellent physical condition with no known medical problems would most likely be classified as a

preferred risk

Which of the following is NOT the mission of the NAIC?

Write and enact legislation

The NAIC plays a role in all of the following EXCEPT

Writing and enacting legislation

Which of the following empowers the government to recover Medicaid costs from a person's estate?

OBRA

When does Medicare cover nursing home care?

Only if it is part of treatment for a covered illness or injury

The Medical information Bureau(MIB) helps insurer compare medical information they have collected on a potential insured with the information received from which of the following?

Other insurers

A husband has one long-term care plan and his wife has another. The husband's plan pays an indemnity of $150 per day and the wife's plan pays 50% of the daily rate. If they are both in care facility that charges $250 per day, how much per day will they pay out of their own pocket after elimination period?

$225

An insured with $175,000 in assets purchases a qualified long-term care policy with total benefits of $225,000. Her resident state places the asset spend-down amount at $2,000. After exhausting the benefits through her policy, how much in assets can the insured keep through the dollar-for-dollar model?

$227,000

Which of the following income brackets makes an individual LEAST likely to require a long-term care policy?

$25,000-$50,000

All of the following time periods are limited to 30 days EXCEPT

***Appeal of adverse benefit trigger by the insured or their representative? ***payment of a clean claim by the insurance company?

An insured has been diagnosed with a terminal illness and due to mounting medical expenses needs to apply for an advance against his long-term care policy. Which option would need to be in place for the insured to receive an advancement?

Accelerated benefit rider?

A policyowner's long-term care plan covers all levels of care, including skilled nursing, custodial, hospice, and adult care. Rank these care levels in the most typical progression from the lowest to terminal care

Adult day care, custodial, skilled nursing, hospice

When insurers determine premium rates for long-term care policies, they take into consideration all of the following factors EXCEPT

Adverse selection

All of the following are permitted exclusions in LTC partnership policies EXCEPT

Alzheimer's disease

All of the following must be included in the Things You Should Know Before You Buy Long-Term Care Insurance form EXCEPT

An estimate of the commission that will be paid to the insurance agent

Which of the following is an example of post claims underwriting?

An insurer notifies the insured a claim is denied based on a vague and incomplete information on the application

Due to an economic downturn, an employer had cease operations, and, along with the closure, terminate the group long-term care policy. An uninsurable older worker, who has been insured for several years, is worried that long-term care coverage will not be available. Which of the following is true?

Equivalent coverage must be offered

Which of the following material complies with regulations regarding lead generation ads?

Explore your options for purchasing long-term care insurance by contacting out specialists at this number?

All of the following are factors that point to an increasing need for long-term care insurance EXCEPT

Family and friends are not reliable

Which of the following does NOT describe hospice care?

It provides care to people with life expectancies of 1 to 2 years

Many factors may determine long-term care premiums, including elimination period and benefit period. For the lowest premium, a policyowner should select which of the following?

Long elimination period and short benefit period

An insured's family member discovers a stack of unopened mail with a long-term care insurance lapse notice that is 4 months old. In addition to overdue premiums, what is the insurer likely to require for reinstatement?

Physician's note

Veterans Affairs provides health and long-term care services for honorably discharged veterans in all of the following ways EXCEPT

Premium payments for individual long-term care policies

Which of the following best describes taxation of long-term care premiums?

Premiums are tax deductible up to 10% of adjusted gross income

Insurers that persistently file for unreasonable rate increases may be punished by any of the following EXCEPT

Prosecution for unfair trade practice violation?

For consumer protection, issuers of long-term care policies must set up suitability standards. Which of the following is NOT included as a requirement under these standards?

Provide a copy of the standards to each prospect prior to the applicantion

What is the purpose of MIB?

Provide medical history and avocation risks on clients exclusively for the insurance industry

For applicants of higher amounts of coverage, or if the application raised additional questions concerning the prospective applicant's health, the underwriting may require all of the following for additional information EXCEPT

Recent prescription usage

An insured's required 3 months in a nursing home. The insured was released, but just 2 weeks later, had to return to the nursing home for the same condition. Which of the following provisions addresses this situation?

Recurrent

A spouse provides around the clock care for a long-term care(LTC) benefit recipient. Now, the spouse needs some minor surgery that requires an overnight hospital stay and will not be able to care for the disabled spouse for a few days. If the LTC policy provides for the appropriate coverage, which of of the following would provide in-home care for the disabled spouse?

Respite care

Which of the following statements does NOT apply to the reinstatement provision in LTC policies?

The insured cannot be required to pay back premiums

A person might consider purchasing a long-term care policy for all of the following reason EXCEPT

***Maintaning a sense of independence? As a supplement to Social Security retirement income

Who is responsible for verifying proper training of agent representing policies sold through the partnership program?

***NAIC national training program? The insurer must verify agent training before allowing the agent to solicit long-term care insurance

All other factors being equal, which of the following individuals poses the LEAST risk for requiring long-term care services?

***A female *** A single person A male

An insured needs to access benefits provided by a long-term care policy she purchased 10 years prior. The daily benefit amount is inadequate so the insured increases the coverage and foregoes underwriting procedures. Which option within policy is allowing her to increase the benefit amount?

***Automatic inflation protection? ***Guaranteed Purchased option?

After reducing assets, a person is institutionalized for nursing care. The person's spouse is healthy enough to remain at home in the community. The community spouse will NOT be allowed to retain which of the following?

***Interest income on accounts in their own name? ***A trust account in the name of the institutionalized spouse

All of the following factors can reduce a policyholder's premium EXCEPT

***Limit services to Medicare approved facilities?

An insured is admitted to a nursing home, Her benefits begin immediately and certification by a health professional is not required. What type of policy does the insured have?

***Qualified ***Disability group long-term care

What method is used to notify the insured of the potential for future rate increases?

***The insured must be notified by approve letter or form ***The insurance company may contact the person by phone?

When a long-term care policy is guaranteed renewable, the insurer is limited to which of the following?

***The insurer cannot cancel the policy as long as premiums are paid, but can increase premiums on classes of policies?

Regarding the return of premium option for LTC policies, what happens to the premium if the insured dies?

***The insurer will return all of part of the premiums paid(depending on the policy) less policy benefits paid? The insurer will return of half of the premiums paid

What is the maximum allowed period of time for insurer to pay on a clean claim?

30 days

After an insured receives her long-term care policy, she suffers a financial setback and wishes to return the policy, How many days does the insured have to return the policy and receive a full refund?

30 days?

Insurer must give how many days notice to their respective state before offering a product for sale?

30?

Insurers must give how many days notice to their respective state before offering a product for sale?

30?

A person may convert a group long-term care policy to an individual long-term care policy by paying the premium and providing an applicant within how many days after group policy termination?

31?

pre-exisiting conditions must be covered under a long-term care policy after

6 months?

A company receives $20 million in premiums during the year and pays out $12 million in claims. What is the company's loss ratio?

60%?

A 50-year-old purchases a long-term care policy with a $100 daily benefit with an annual premium of $1,000. At age 57, he loses his job and can no longer afford the premium. Under the extended term benefit option, the policyholder will receive a benefit period for what length?

70 days?

An elderly person is experiencing a deficiency in his/her ability to think or reason. This person is most likely suffering from which of the following?

?

Which of the following would result in the lowest premium for a long-term care policy?

A 120-day elimination period and a 3-year benefit period

Which of the following is NOT eligible for Medicare?

A 62-year-old individual who decides to retire early

Of all the following, which is most likely NOT a symptom of Alzheimer's disease?

A person is unable to focus or follow simple directions?

Which of the following is NOT likely to be eligible for Medicaid benefits?

A person who is unable to work due to a serious illness?

All other conditions being the same, which of the following would have the highest policy premium?

A policy without an elimination period and a lifetime benefit period?

Long term care policies may include all of the following provisions EXCEPT

A requirement for prior hospitalization

Long-term care policies may include all of the following provisions EXCEPT

A requirement for prior hospitalization

All of the factors being equal, which of the following individuals poses the LEAST risk for requiring long-term care services?

A single person?

A company is replacing their current group long-term care plan. According to regulations, the company must ensure that all of the following conditions are met EXCEPT

Additional coverages may be provided as long as there is no rate increase

"Similar policy form"

Adult care benefit

An insured is bed ridden and requires 24-hour medical attention. Which of the following facilities will meet the needs of the insured?

Adult day care

Suzie's elderly mother, who cannot be left alone, lives with her. Suzie needs to remain employed, but must make sure her mother is supervised. Which of the following care settings is likely to be their best solution?

Adult day care?

For which of the following would a long-term care policy deny coverage?

Alcholism

replacement of group long-term care policies are subject to all of the following EXCEPT?

All current participants in the group plan must be offered coverage on the new plan

Which one of the following CANNOT be excluded from a group long-term care policy?

Alzheimer's disease

Which of the following applicants is likely to be rated as a preferred risk under a long-term care policy?

An active 55-year-old adult with no bad health habits but a family history of heart disease

During the application process, an agent notices the customer grimaces with pain when he stands. Even though the applicant has indicated on his application that he does not have any medical situations, what action should the agent take?

Ask the applicant directly and inform the underwriter if necessary

Which of the following is the least common funding method for long-term care?

Assistance from family members?

A person who is generally healthy would like to live independently, in a leased of purchased home within an age-restricted community. This person requires some assistance that can be provided by a part-time visiting nurse. This person would be a candidate for which of the following?

Assisted living facility?

A personal who is generally healthy would like to live independently, in a leased or purchased home within an age-restricted community. This person requires some assistance that can be provided by a part-time visiting nurse. This person would be a candidate for which of the following?

Assisted-living facility?

During which life period will a person have the best opportunity to plan and fund for long-term care?

Before retirement

Individual states set requirements for agents who represent long-term care insurance. Which of the following is NOT likely to be an acceptable requirement?

Being an experienced producer with a life license only?

Individual long-term care policies are protected through the guaranteed renewable or noncancellation clause. How are group long-term care policies protected?

By conversion rights and the continuation of coverage clause?

Which of the following is an example of a gatekeeper restriction?

Prior hospitaliztion

Which of the following best describes custodial care?

Care to assist a person with the basics of everyday living

With respect to Medigap policies, Which of the following does NOT apply?

Companies with group medigap plans are under no obligation to offer an individual plan upon termination of employment??

A long-term care insurance prospect accepts a policy with many features. What can the policyowner expect?

Coverage for care in a variety of care settings?

Regarding model plans established by the NAIC, Which of the following statements is NOT accurate?

Once a model is accepted, individual member states are compelled to use it?

In a long-term care policy, the elimination period is similar to?

Deductible?

The national cleaninghouse for Long-term care information is funded through which federal act?

Deficit Reduction Act of 2005

Which of the following is required to be offered by insurer to prevent an unintentional lapse of an LTC policy?

Designante a third party to receive notice when a policy premium is unpaid for 30 days

An insured insists on remaining at home but still needs some long-term care services. Through the home health care provision, the insured may receive all of the following services EXCEPT

Doctor's visits

Which of the following amenities would NOT be found in an assisted living facility?

Doctors on site at all times

with respect to providing long-term care services in today's environment, traditional family care

Does not impose a burden on the family member(s) providing care

Which of the following would NOT be eligible for a group long-term care policy?

Employee's sibling

With regards to home care or facility services, long-term care policies are prohibited from requiring or limiting benefits for any of the following EXCEPT

Exempting requirements for continuing care retirement communities?

Which of the following would NOT be covered expenses under Medicare Part A?

Expenses for private physician services

Federal tax relief on premiums and benefits from a long-term care policy is provided through which of the following programs?

HIPAA

After a presentation on long-term care product, an agent is told by a senior citizen he would like to think about it before making a decision. How should the agent react to this request?

Honor the prospect's request, and make sure the prospect has the information needed to make the right decision

An insured is terminally ill and is expected to die within 6 months. He is still at home and receives pain medication and therapy for physical comfort not receiving curative medications. What type of care is the insured receiving?

Hospice care

an applicant has a strong desire to obtain a long-term care policy but feels the premium is more than his budget will allow. The agent may recommend all of the following to reduce the premium EXCEPT

Increase the daily benefit

What is the difference between a Guaranteed Purchase option and an Inflation Protection Option?

Inflation Protection increases the policy premium annually whereas the Guaranteed Purchase Option is charged at the time the policy is written

An insured's daily benefit amount increases annually. Which of the following provisions is part of the insured's policy?

Inflation protection

Which of the following is NOT a requirement regarding the Inflation Protection Option?

Inflation protection will not increase the cost of the policy

During and after the application process, and agent is expected to be attentive toward underwriting factors. Which of the following is NOT included in the agent's field duties?

Inspect the applicant's residence for safety purposes

An insurer is under contract to administer Medicare benefits including fees for services and reimbursement of expenses. Which of the following describes this type of insurer?

Intermediary

Which of the following is provided by skilled medical personnel to those who need occasional or periodic medical assistance or rehabilitative care?

Intermediate Care

What benefit is provided by the bed reservation provision found in a long-term care policy?

It ensures a patient will keep their place in a facility if temporary leave for medical care is needed

Insurers are required to complete and file reports pertaining to replacement policies annually. Replacement and lapse Reporting forms are due annually on or before?

June 30

An insured has a long-term care insurance policy. He has had the policy for 17 year. Mark is 81 years old and has serious health problems. The company would like to cancel the policy. What are the company's options?

Keep the policy in force as long as premiums are paid

An insured purchased a policy with a premium amount guaranteed for the life of the policy. What type of policy premium does the insured have?

Level premium?

Which of the following would NOT be found in the outline of coverage?

List of available riders?

The purpose of long-term care insurance is to

Maintain a functional level for living

Which one of the following represents a government program that provides health care for indigent?

Medicaid

How does OBRA affect recovery of Medicaid benefits once a person is deceased?

Medicaid may seek to recover full benefits from the estate?

How does medical insurance differ from long-term care insurance?

Medical insurance is meant to treat and cure an illness and long-term care insurance is meant to provide and maintain a functional level of living

An insured has a tax qualified long-term care contract. To receive tax qualified benefits, the insured must have all of the following EXCEPT

Medical necessity

insurer selling long-term care insurance are required to annually report all of the following to the Commissioner EXCEPT?

Medical reports of each policy applicant

Doug decided to retire at age 62. When he applied for Social Security Retirement Benefits, he discovered

Medicare coverage varies state to state

Which is the following statements is correct?

Medicare will cover nursing home care if it is part of the treatment for covered illness

When referring to an activity of daily living, the term "transferring" means

Moving in or out of bed, wheelchair or chair

In a long-term care policy, pre-existing condition limitations

Must appear as a separate paragraph and be clearly labeled

A long-term care insurance shopper's guild must be provided in the format developed by the

NAIC

Rates must be filed with and approved by which government body?

NAIC?

In 1996, upon retirement at age 65, a retired executive purchased a long-term care insurance benefits. What taxes are due?

None

Of the following, which would justify termination or nonrenewal of long-term care policy?

Nonpayment premium?

State participating in the Partnership program have reporting requirements. Which of the following is NOT one of the reporting requirements?

Number of newly licensed agents authorized to sell LTC policies

Primary funding for Medicare Part A is provided through which of the following?

Portion of FICA taxes

when replacing a long-term care policy, the agent or insurer must comply with all of the following EXCEPT

Provide a signed statement to the applicant confirming the policy improves the policyholder's insurance position

Insurers selling long-term care insurance are required to annually report all of the following to the Commissioner EXCEPT

Report of applicants not meeting suitability?

An insured mistakenly checked the "single" box on his application when in fact he has been married for many years. The insurance company discovers the error 36 months after the policy inception. What recourse does the insurance company have?

Rewrite the policy

Which of the following would NOT be a covered expense under Medicare Part A?

Semi-private hospital room?

As part of the reserve requirement, once a claim is filed against a long-term care policy, the insurer must do which of the following?

Set aside a reserve amount for the unpaid claim

Which of the following is NOT likely to be utilized during the underwriting process?

Social service visit?

Rates must be filed with and approved by which government of body?

State Department of Insurance

Which of the following is considered the most important resource available to an underwriter?

The agent

Which of the following does NOT have to be disclosed in a long-term care (LTC) policy?

The aggregate amount of premiums due

If an applicant has a monthly income of $700 and less than $12,000 in assets, which of the following would apply?

The applicant is eligible for Medicaid benefits?

A long-term care insurance suitability letter would be issued to inform the applicant or policyowner of which of the following?

The applicant was rejected due to not meeting the insurer's suitability standard

An insured purchased a policy from a company headquartered in another state. The policy has a free-look period of 10 days. However, the state in which the insured resides guarantees a 30-day free-look period. Which one of the following will occur?

The free-look period will remain at 10 days

A long-term care policy has been in force for over a year. Under what circumstances could the insurer rescind the policy?

The insured intentionally gave information that had direct bearing on policy acceptance and benefit coverage?

Under which of the following circumstances could a policy be reinstated after the 30-day grace period has lapsed?

The lapse was unintentional due to cognitive impairment

What do long-term care policies offer to policyholders to account for inflation?

The option of purchasing coverage that raises benefit levels accordingly?

A state is in the process of joining the Partnership Program. Which one of the following must be completed for qualification?

The state must file a Medicaid plan amendment and receive approval

Due to chronic illness, a person must activate the long-term care rider attached to his annuity. How will his annuity be affected?

The value of annuity will be decreased by the amount of long-term care benefits paid

Which of the following is NOT accurate regarding pre-existing conditions?

They are always excluded on long-term care policies?

What is the purpose of the reserve account?

To guarantee an insurer can cover current and future policy claims?

Which of the following does NOT represent information requested on the Replacement and Lapse Reporting form?

Total number of new agents recruited by the insurer for the previous year

An agent persuades a prospect to purchase a long-term care policy by indication the premiums will increase if he has to return at a later date to complete application. The agent is guilty of which of the following?

Twisting

When an insurer files for an exceptional increase with the Department of Insurance, consideration will NOT be given to which of the following?

Unforeseen circumstances affecting most insurers offering the same type product?

A top producer, who represents only one company, has a -term care insurance first-year lapse ratio that increased significantly from one year to the next. This fact may indicate

Unsuitable sales

For direct response solicitations, when must eh Outline of Coverage be presented to the applicant?

at the time of application?

When planning for long-term care, a person should consider the average stay in a nursing home is

less than 3 years?

Who is responsible for obtaining and paying for a care coordinatior?

the insurer