伤残与长期护理第 496 / 716 题
Skilled nursing care under a long-term care policy refers to:
a.General housekeeping, laundry, and grocery shopping services provided in the insured's own home
b.Home-delivered meal service prepared and dropped off each day by a community volunteer program
c.Daily nursing and rehabilitative care ordered by a physician and performed by licensed medical personnel
d.Assistance with bathing, dressing, and eating provided by a non-medical personal aide on a set daily schedule
解析
Skilled nursing care is the highest level of long-term care: continuous, physician-ordered nursing or rehabilitative services delivered by licensed medical professionals such as registered nurses. Help with bathing is custodial care, a lower level. Housekeeping and meal delivery are support services, not skilled care. LTC policies distinguish among skilled, intermediate, and custodial care, and it is important to know that most long-term care needs are actually custodial rather than skilled.
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同考点相关题目
- A disability income policy that covers the insured only for injuries and sickness occurring away from the job is described as:
- Short-term disability (STD) coverage generally provides benefits for a maximum period of about:
- Long-term disability (LTD) coverage typically begins after short-term benefits end and may continue paying until:
- Custodial care under a long-term care policy refers to:
- Home health care coverage under a long-term care policy pays for:
- An inflation protection option in a long-term care policy is important because it:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)