Private insurance plans for seniors

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Which of the following is not an allowable exclusion for long term care insurance policies

Care for incurable conditions

When dealing with long term care coverage which of the following are classified as ADL's

Eating, bathing, dressing and mobility

Which of these statements reflects an accurate portrayal of Medicare select

Insured uses preferred providers in exchange for paying lower premiums

Which individual would be best suited for Medicare supplement insurance?

Medicare enrollee

Which of the following does NOT meet the requirements of skilled nursing care

Must be provided exclusively in a hospital

Medicare supplement insurance requires an individual to be at least how old for open enrollment

No minimum age

A Medicare supplement policy is required to do which of the following

Provide a 30 day free-look period

Which of the following is a true statement regarding a Medicare supplement policy purchased during an open enrollment period?

The policy will be issued regardless of health

Which of the following is NOT covered by a comprehensive long term care policy

acute care

Linda is covered with long-term care insurance and has early-stage Alzheimer's. She is still able to reside in her home while receiving primary care, as opposed to moving into a nursing home. All of the following long-term benefits encourage this EXCEPT for

custodial care

What type of doctor ordered care assists an individual with performing basic daily activities such as bathing, dressing, and eating?

custodial care

Custodial care is normally covered under

long term care insurance

Respite Care coverage is typically found in a(n)

long term care policy

Under a long term care inflation rider the benefit levels

periodically increase without proof of insurability

Qualified long term care premiums are treated for tax purposes as

tax-deductible to the extent they exceed 7 1/2% AGI


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