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What Do You Know About Long-Term Care? Take Our Quiz

Are you ready if you or a family member needs help?

Sharon Jayson

En español

Published January 27, 2022

10 Questions

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What Do You Know About Long-Term Care? Take Our Quiz

[ {
  "question" : "What percentage of Americans who reach age 65 will need some long-term care during their lifetime?",
  "answers" : [ {
    "answer" : "90 percent",
    "correctAnswer" : false
  }, {
    "answer" : "70 percent",
    "correctAnswer" : true
  }, {
    "answer" : "50 percent",
    "correctAnswer" : false
  }, {
    "answer" : "25 percent",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "An Urban Institute and U.S. Department of Health and Human Services study shows 75 percent of women and 64 percent of men who live to 65 will need long-term care. ",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What federal program covers long-term care services?",
  "answers" : [ {
    "answer" : "Medicare",
    "correctAnswer" : false
  }, {
    "answer" : "Department of Health and Human Services",
    "correctAnswer" : false
  }, {
    "answer" : "Medicaid",
    "correctAnswer" : true
  }, {
    "answer" : "Social Security",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Medicaid is a state and federal program that covers long-term care services for eligible recipients.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Long-term care includes all but which of the following?",
  "answers" : [ {
    "answer" : "Personal care for daily living",
    "correctAnswer" : false
  }, {
    "answer" : "Adult day care",
    "correctAnswer" : false
  }, {
    "answer" : "Transportation services",
    "correctAnswer" : false
  }, {
    "answer" : "Care for your pet",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Long-term care includes such services as meals, grooming, toileting, adult day care and transportation.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Which of these increases the risk for needing long-term care?",
  "answers" : [ {
    "answer" : "Being single",
    "correctAnswer" : false
  }, {
    "answer" : "Age",
    "correctAnswer" : false
  }, {
    "answer" : "Gender",
    "correctAnswer" : false
  }, {
    "answer" : "All of the above",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Many factors increase your risk for needing long-term care, including being over age 65, female, single and a having poor health history.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What are the prime ages to purchase long-term care insurance?",
  "answers" : [ {
    "answer" : "20s or 30s",
    "correctAnswer" : false
  }, {
    "answer" : "40s or 50s ",
    "correctAnswer" : true
  }, {
    "answer" : "60s or 70s",
    "correctAnswer" : false
  }, {
    "answer" : "Over 75",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Buying long-term care insurance in your 40s or 50s lowers your cost and you are less likely to be disqualified from coverage because of an existing diagnosis.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What financial consideration does Medicaid not count in determining eligibility?",
  "answers" : [ {
    "answer" : "Primary residence",
    "correctAnswer" : false
  }, {
    "answer" : "Monthly income",
    "correctAnswer" : false
  }, {
    "answer" : "A car",
    "correctAnswer" : false
  }, {
    "answer" : "Children",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Medicaid counts financial assets but not whether you have children.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What is not an approved method of reducing assets for Medicaid eligibility?",
  "answers" : [ {
    "answer" : "Pay off debt",
    "correctAnswer" : false
  }, {
    "answer" : "Buy a car",
    "correctAnswer" : false
  }, {
    "answer" : "Prepay funeral expenses",
    "correctAnswer" : false
  }, {
    "answer" : "Deed your home to your children",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Giving assets to your children is not recommended as an approved method.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Weekly COVID-19 vaccination data on Medicare- and Medicaid-certified nursing homes has been required to be reported to the Centers for Medicare & Medicaid Services (CMS) since...",
  "answers" : [ {
    "answer" : "December 2020",
    "correctAnswer" : false
  }, {
    "answer" : "January 2021",
    "correctAnswer" : false
  }, {
    "answer" : "May 2021",
    "correctAnswer" : true
  }, {
    "answer" : "January 2022",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "CMS started posting vaccination data in May 2021.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Since the pandemic, the need for long-term care has become more acute and care has lasted longer. The biggest jump was in which area of need?",
  "answers" : [ {
    "answer" : "Chronic illness",
    "correctAnswer" : false
  }, {
    "answer" : "Age-related physical limitations",
    "correctAnswer" : false
  }, {
    "answer" : "Accidents requiring hospitalization",
    "correctAnswer" : false
  }, {
    "answer" : "Cognitive impairments",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Cognitive impairments went from 26 percent of need in 2018 to 32 percent in 2020, according to a study by Genworth Financial.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Costs associated with long-term care have increased both because of the pandemic and because of rising operating expenses for care providers. Only one area has dropped. Which is it?",
  "answers" : [ {
    "answer" : "Adult day care",
    "correctAnswer" : true
  }, {
    "answer" : "Home health aide services",
    "correctAnswer" : false
  }, {
    "answer" : "Assisted living facility rates",
    "correctAnswer" : false
  }, {
    "answer" : "Semi-private nursing home rates",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Numbers associated with adult day care dropped because fewer wanted those services, the 2021 Genworth study indicated.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
} ]

Quiz Progress

0 Correct

0 Incorrect