California Partnership for Long-Term Care
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Long-Term Care Quiz

Is Long-Term Care Insurance Right For You?

Objective: Answer at least 6 questions correctly!

Note: If your computer fails to activate this automated test, merely get a pen or pencil and a piece of paper and write down your answers to the following 10 questions. Each question is worth 1 point. The correct answers are at the bottom of this page. So, when you are done, see the answers and compute a score for yourself.
1. Most long-term care is provided in a nursing home.
2. Nearly 40% of the long-term care population is under the age of 65.
3. Medicare is the primary funding source for most older persons' long-term care costs.
4. Most long-term care is provided by family and friends.
5. Changes in the tax code now allow taxpayers to deduct some of the costs of long-term care insurance.
6. The average lifetime length of stay in a nursing home is more than 4 years.
7. Health Plans typically cover most long-term care services.
8. On average during 2014, in California, a one year stay in a nursing home costs about $94,000.
9. People have to spend all or most all of their non-exempt assets to get Medicaid (Medi-Cal) benefits.
10. Disability insurance will cover most long-term care costs.

Quiz Answers
1. False 6. False
2. True 7. False
3. False 8. True
4. True 9. True
5. True 10. False
Each correct answer is worth 1 point.
9 - 10 Points. Excellent knowledge
8 Points. Good knowledge
6 - 7 Points. Average knowledge
5 Points or Less. Poor knowledge.

If you missed any questions and have further questions, you can contact the following organizations:

  • HICAP at (800) 434-0222 to request counseling
  • The California Partnership for Long-Term Care at (800) CARE-445 to request information in either English or Spanish about the importance of planning for long-term care and options for financing your long-term care needs
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