Table of
Contents
Chapter 1- The Nature of Long Term
Care
Typical Conditions Requiring Long
Term Care
Role of Increased Life Expectancy
Settings in Which Long Term Care is
Provided
Special Alzheimer’s Facility Considerations
Likelihood of Requiring Long Term
Care
Social and Demographic Factors
Affecting Long Term Care
Industrial Revolution Splits
Families
Family Relocation to Achieve
Professional Advancement
Emergence of the Dual-Income Family
Chapter 2 - Long Term Care Costs
Assisted Living Facility Costs
Community-Based Professional Care
Costs
Population Trends Affecting Long
Term Care
The Baby Boom Generation’s Health
Issues
Medicare Supplementary Insurance
Long Term Care Payer by Type of
Service
Chapter 3 - Long Term Care Insurance
Long Term Care Insurance Approaches
Specified Daily Benefit Amount &
Benefit Period
Impairment in Cognitive Ability
Basic Long Term Care Insurance
Policy Provisions
Lapse and Reinstatement of Coverage
Divorce or Separation of the Couple
Care Advisory Services Benefit
International Coverage Benefit
Survivorship & Waiver of Premium
Benefit
Waiver of Elimination Period for
Home Care Benefit
Tax Treatment of Long Term Care
Insurance
HIPAA Clarifies Tax Treatment for
Tax-Qualified Policies
Favorable Tax Treatment only for
Chronically-Ill
Tax-Qualified Long Term Care
Premiums Deductible within Limits
Tax Treatment of Nonqualified Long
Term Care Insurance Policies
Alternatives for Paying Long Term
Care Costs
Long Term Care Funds from Annuity
Contracts
Long Term Care Insurance Riders on
Annuity Contracts
Integrated Long Term Care/Annuity
Benefits
Long Term Care Funds from Life
Insurance Policies
Integrated Life Insurance-Based Long
Term Care
Long Term Care Insurance Riders on
Life Insurance Policies
Chapter 4 - Suitability &
Ethical Issues
Long Term Care Suitability
Considerations
Evaluating the Client’s Financial
and Personal Situation
Chapter 1 Review Questions Feedback
Chapter 2 Review Questions Feedback
Chapter 3 Review Questions Feedback
Chapter 4 Review Questions Feedback
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