Getty Images

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

ff0b80bb-9c71-4707-a773-8a4ee089eb5f

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

get help and give help through AARP Community Connections

Caption for quiz image

Credit for quiz image

NEED A HINT?

CLOSE HINT

CORRECT

INCORRECT

Answer:

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

0 Correct

0 Incorrect

Score:

Oops...something went wrong. Please log out and log back in to continue.

AARP Membership

Join AARP for just $15 for your first year when you sign up for automatic renewal. Gain instant access to exclusive products, hundreds of discounts and services, a free second membership, and a subscription to AARP The Magazine.

Join Now

Nursing Homes and Assisted Living Facilities Are Still Popular, Despite Coronavirus Outbreaks

Nursing homes and assisted living facilities are still popular with most adults over 40, according to a national poll.

An older woman stretches an exercise band with the help of a female healthcare worker.

Long-Term Care Cost Calculator

Compare costs, types of service in your area

Benefits Recommended For You

See All