Career upgrade: Learn practical AI skills for better jobs and higher pay.
Level up
PracticeVideosBlogFlashcardsEspañol
All Practice Exams

100+ Free CLTC Practice Questions

Pass your Certified Long-Term Care (CLTC) Designation Exam exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately
Not publicly disclosed Pass Rate
100+ Questions
100% Free
1 / 100
Question 1
Score: 0/0

Which statement about the average duration of informal caregiving is most accurate?

A
B
C
D
to track
2026 Statistics

Key Facts: CLTC Exam

100

Exam Questions

CLTC official exam page

70%

Passing Score

CLTC proctored exam guidelines

$1,165

Course + Exam Fee

CLTC website (2026)

120 days

Exam Window

CLTC exam page

1999

Year Established

CLTC about page

$75

Retake Fee

CLTC exam policy

The CLTC exam is a 100-question multiple-choice test requiring a 70% passing score. Candidates must first complete the CLTC Master Class (2-day live or online eCLTC modules) at a cost of $1,165 which includes the exam. The exam is closed-book, online proctored, and must be completed within 120 days of finishing the course. Up to two retakes are allowed at $75 each.

Sample CLTC Practice Questions

Try these sample questions to test your CLTC exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the primary purpose of the CLTC designation?
A.To train professionals in acute-care hospital management
B.To educate professionals on the consequences of long-term care and how to plan for them
C.To certify nursing home administrators
D.To license home health aides for clinical work
Explanation: The CLTC designation was created to educate insurance, financial, legal, and accounting professionals about the emotional, physical, and financial consequences that long-term care places on families. The goal is to equip professionals with skills to develop plans that mitigate those consequences and, when appropriate, recommend LTC insurance.
2According to long-term care statistics, approximately what percentage of individuals turning 65 today will need some form of long-term care services?
A.About 25%
B.About 50%
C.About 70%
D.About 90%
Explanation: Research consistently shows that approximately 70% of people turning 65 today will need some form of long-term care during their remaining years. This statistic is a cornerstone of the CLTC curriculum because it demonstrates the high probability of needing extended care and the importance of planning ahead.
3A financial advisor using the CLTC approach should focus the initial client conversation on which of the following?
A.Presenting LTC insurance premium quotes immediately
B.The consequences that extended care would have on the client's family
C.Comparing different insurance carriers' financial ratings
D.Explaining Medicaid spend-down requirements in detail
Explanation: The CLTC curriculum teaches a three-step planning process that begins by establishing the consequences of long-term care on the client's family — emotionally, physically, and financially. The focus is on creating a plan first, not selling a product. When clients understand the impact on their loved ones, the plan sells the appropriate solution.
4Which of the following is considered a formal long-term care setting?
A.A family member providing care in the client's home
B.An assisted living facility
C.A friend helping with grocery shopping
D.A neighbor driving the client to doctor appointments
Explanation: Assisted living facilities are formal long-term care settings that provide personal care assistance, medication management, and social activities in a residential environment. They are licensed and regulated care settings, unlike informal care provided by family, friends, or neighbors.
5What type of facility provides a continuum of care from independent living through skilled nursing on a single campus?
A.Adult day care center
B.Assisted living facility
C.Continuing care retirement community (CCRC)
D.Hospice facility
Explanation: A Continuing Care Retirement Community (CCRC), also called a Life Plan Community, offers multiple levels of care on one campus — typically independent living, assisted living, and skilled nursing. Residents can transition between levels as their needs change without having to relocate to a different facility.
6Which of the following best describes home health care services?
A.Only skilled nursing care provided in the patient's home
B.A range of health and personal care services delivered in the patient's home
C.Physician visits conducted exclusively in the patient's home
D.Emergency medical services dispatched to the patient's home
Explanation: Home health care encompasses a broad range of services delivered in the patient's home, including skilled nursing, physical/occupational therapy, speech therapy, personal care assistance (bathing, dressing), homemaker services, and companionship. It is the most preferred and often most cost-effective form of long-term care.
7Adult day care centers are most appropriate for individuals who:
A.Require 24-hour skilled nursing supervision
B.Need daytime supervision and socialization while their caregiver works
C.Are fully independent and need no assistance with daily activities
D.Require acute hospital-level medical care during the day
Explanation: Adult day care centers provide daytime supervision, social activities, meals, and sometimes health services for adults who cannot be safely left alone during the day. They are ideal for individuals whose family caregivers work during the day, offering respite for the caregiver while providing structured socialization and monitoring for the care recipient.
8Medicare Part A may cover skilled nursing facility (SNF) care under which conditions?
A.The patient needs custodial care for chronic conditions indefinitely
B.The patient had a qualifying 3-day hospital stay and needs skilled care
C.The patient wants to enter a nursing home for long-term residential care
D.The patient's family requests nursing home placement for convenience
Explanation: Medicare Part A covers SNF care only when the patient has had a qualifying inpatient hospital stay of at least 3 consecutive days, enters the SNF within 30 days of discharge, and requires daily skilled nursing or rehabilitation services. Medicare covers up to 100 days per benefit period (days 1-20 fully covered, days 21-100 with a daily coinsurance). It does not cover custodial or long-term residential care.
9For the first 20 days in a skilled nursing facility, Medicare Part A pays:
A.Nothing — the patient is responsible for the full cost
B.100% of the approved amount with no coinsurance
C.80% of the approved amount with 20% coinsurance
D.50% of the approved amount after the deductible
Explanation: When a patient qualifies for skilled nursing facility care under Medicare Part A, the first 20 days are covered at 100% of the Medicare-approved amount with no coinsurance or copayment required from the patient. Days 21 through 100 require a daily coinsurance payment from the patient. After day 100, Medicare coverage ends entirely.
10What is the maximum number of days Medicare Part A will cover in a skilled nursing facility per benefit period?
A.30 days
B.60 days
C.100 days
D.365 days
Explanation: Medicare Part A covers up to 100 days of skilled nursing facility care per benefit period. Days 1-20 are fully covered, days 21-100 require a daily coinsurance payment, and after day 100, the patient is responsible for all costs. This limited coverage is a key reason why separate long-term care planning is essential.

About the CLTC Exam

The CLTC designation certifies insurance and financial professionals in long-term care planning. The exam tests knowledge of extended care services, funding sources including Medicare and Medicaid, LTC insurance products, hybrid policies, tax advantages, and ethical client advising.

Questions

100 scored questions

Time Limit

No fixed time limit

Passing Score

70%

Exam Fee

$1,165 (course + exam) (Corporation for Long-Term Care Certification (CLTC))

CLTC Exam Content Outline

~20%

Extended Care Planning Fundamentals

Family impact of long-term care, aging statistics, and need-establishment process

~20%

Extended Care Services & Facilities

Home care, adult day care, assisted living, CCRCs, nursing homes, and hospice

~20%

Funding Sources for Extended Care

Medicare, Medicaid, VA benefits, self-funding, and their limitations

~25%

LTC Insurance Products & Implementation

Traditional and hybrid policies, partnership programs, tax-qualified benefits, and underwriting

~15%

Ethical Promotion & Client Planning

Code of ethics, Medicaid vs. insurance positioning, and client-centered planning

How to Pass the CLTC Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: No fixed time limit
  • Exam fee: $1,165 (course + exam)

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

CLTC Study Tips from Top Performers

1Focus heavily on the differences between Medicare and Medicaid coverage for long-term care
2Understand hybrid life/LTC insurance policies — they are increasingly tested
3Know the tax advantages of tax-qualified vs. non-tax-qualified LTC policies
4Study the various care settings and when each is appropriate for different client situations
5Practice ethical scenario questions where Medicaid planning and insurance recommendations intersect

Frequently Asked Questions

How many questions are on the CLTC exam?

The CLTC certification exam consists of 100 multiple-choice questions in a closed-book format. The exam is administered online with a proctor.

What score do I need to pass the CLTC exam?

A passing grade of 70% is required. Your exam is graded immediately upon completion.

How much does the CLTC certification cost?

The CLTC course and exam fee is $1,165. This covers either the 2-day live Master Class or the self-paced eCLTC online modules, plus one exam attempt. Retakes cost $75 each.

How long do I have to take the CLTC exam?

You have 120 days from the second day of class (or course completion for eCLTC) to complete the proctored exam. There is no fixed time limit during the exam itself.

Can I retake the CLTC exam if I fail?

Yes. You are allowed up to two retakes at $75 per attempt. Retakes must be completed within the original 120-day window.

How should I prepare for the CLTC exam in 2026?

Focus on understanding the consequences of long-term care on families and finances, learn all funding alternatives (Medicare, Medicaid, VA, self-funding), master LTC insurance product details and tax advantages, and practice ethical scenario-based questions.