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100+ Free LTC Partnership Practice Questions

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What is long-term care (LTC) primarily designed to cover?

A
B
C
D
to track
2026 Statistics

Key Facts: LTC Partnership Exam

8 hours

Initial Training Required

DRA 2005 / state SPAs

4 hours

Refresher Every 24 Months

Most Partnership states

$1 : $1

Medicaid Asset Disregard

DRA Partnership rule

2 of 6

ADL Trigger (HIPAA TQ)

IRC §7702B

~45

States with Partnership Programs

CMS / state DOIs

30 days

NAIC Free-Look Period

NAIC LTC Model Reg #641

Federal law (DRA 2005) requires every agent selling LTC Partnership policies to complete an 8-hour initial training plus a 4-hour refresher every 24 months. Partnership policies offer dollar-for-dollar Medicaid asset disregard — every dollar paid in benefits is one dollar of assets the policyholder can keep and still qualify for Medicaid. Roughly 45 states operate Partnership programs with reciprocity. Passing score is typically 70%.

Sample LTC Partnership Practice Questions

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

1What is long-term care (LTC) primarily designed to cover?
A.Acute hospital care after surgery
B.Custodial assistance with activities of daily living over an extended period
C.Emergency room visits and ambulance services
D.Routine annual physicals and immunizations
Explanation: Long-term care covers extended custodial assistance with activities of daily living (ADLs) such as bathing, dressing, eating, and transferring — services that are not skilled medical treatment. Acute hospital care, ER visits, and routine medical care are covered by health insurance and Medicare, not LTC policies.
2Which of the following is NOT one of the six activities of daily living (ADLs) used as benefit triggers in HIPAA tax-qualified LTC policies?
A.Bathing
B.Dressing
C.Driving
D.Transferring
Explanation: The six ADLs recognized under HIPAA (IRC §7702B) are bathing, dressing, eating, toileting, transferring, and continence. Driving is an instrumental activity of daily living (IADL), not an ADL, and cannot be used as a tax-qualified benefit trigger.
3Which level of care provides 24-hour skilled nursing or rehabilitation under physician orders?
A.Custodial care
B.Intermediate care
C.Skilled nursing care
D.Home health aide care
Explanation: Skilled nursing care is the highest level of LTC and requires 24-hour care from licensed nurses or therapists under a physician's care plan. Custodial care covers ADLs without medical training, intermediate care is occasional skilled care, and home health aides provide personal care, not skilled nursing.
4Approximately what percentage of Americans age 65 will need some form of long-term care services in their lifetime, according to the U.S. Department of Health and Human Services?
A.About 10%
B.About 30%
C.About 50%
D.About 70%
Explanation: HHS LongTermCare.gov estimates that roughly 70% of Americans turning 65 will need some form of long-term care services and supports during their remaining lifetime. This is a widely cited statistic agents must know to demonstrate the need for LTC planning.
5Which government program is the largest payer of long-term nursing home care in the United States?
A.Medicare
B.Medicaid
C.Veterans Administration
D.Social Security
Explanation: Medicaid is by far the largest payer of nursing home care because Medicare covers only short, skilled stays (up to 100 days post-hospital). Medicaid pays for ongoing custodial care once the resident has spent down assets to state limits. The Partnership program exists specifically to reduce Medicaid's nursing-home outlays.
6Medicare Part A nursing-facility benefits are limited to how many days per benefit period, and only after a qualifying hospital stay?
A.Up to 30 days
B.Up to 60 days
C.Up to 100 days
D.Up to 365 days
Explanation: Medicare Part A pays for up to 100 days of skilled nursing facility care per benefit period following a qualifying inpatient hospital stay of at least three days. Days 1-20 are paid in full; days 21-100 carry a daily coinsurance. After day 100 the beneficiary is responsible for all costs — which is exactly the gap LTC insurance fills.
7Which setting describes care delivered in the insured's own home by an aide who helps with ADLs?
A.Adult day care
B.Home health/home care
C.Assisted living facility
D.Continuing care retirement community
Explanation: Home health or home care is delivered in the insured's residence and ranges from skilled visits to non-medical homemaker/companion services. Adult day care is a community-based setting, assisted living is a residential facility, and a CCRC is a multi-level community offering independent living through skilled nursing.
8Informal caregivers — typically family members — provide what share of long-term care services in the United States?
A.A small fraction (under 10%)
B.About a quarter
C.About half
D.The majority of LTC services
Explanation: AARP and HHS research consistently shows that the majority of long-term care in the U.S. — frequently cited at roughly 80% of hours — is delivered by unpaid informal caregivers, usually adult children and spouses. This burden is a key talking point when illustrating why LTC insurance protects both the insured and their family.
9An assisted living facility (ALF) is BEST described as:
A.A hospital wing for post-acute rehabilitation
B.A residential setting that provides housing, meals, and ADL assistance but not 24-hour skilled nursing
C.A skilled nursing facility licensed for ventilator care
D.A hospice unit for terminally ill patients
Explanation: Assisted living facilities provide a residential environment with meals, supervision, and help with ADLs, suited to residents who do not require 24-hour skilled nursing. Skilled nursing facilities, hospitals, and hospice units serve different, more medically intensive populations.
10Which of the following BEST captures the difference between custodial care and skilled care?
A.Custodial care must be ordered by a physician; skilled care does not
B.Custodial care is non-medical help with ADLs; skilled care requires licensed medical professionals
C.Custodial care is always provided in a nursing home; skilled care is always at home
D.Custodial care is covered by Medicare; skilled care is not
Explanation: Custodial care helps with ADLs and IADLs and does not require medical training. Skilled care requires licensed nurses or therapists working under a physician's care plan. Medicare generally covers only skilled care for short periods; custodial care is the primary domain of LTC insurance and Medicaid.

About the LTC Partnership Exam

The Long-Term Care Partnership Certification is mandatory training required to sell LTC Partnership policies. The 8-hour initial course covers federal Partnership rules under the Deficit Reduction Act (DRA) of 2005, NAIC LTC Model Regulation provisions, Medicaid asset disregard, and HIPAA tax-qualified policy requirements. Most states require a 4-hour refresher every 24 months.

Questions

100 scored questions

Time Limit

1-2 hours

Passing Score

70%

Exam Fee

$50-100 (course) (State-approved CE vendor (LTC Connection, WebCE, Kaplan, etc.))

LTC Partnership Exam Content Outline

15%

LTC Insurance Fundamentals

Need for LTC, levels of care, settings, informal vs. formal caregivers, and primary payers

20%

Federal LTC Partnership Program & DRA

Deficit Reduction Act of 2005, state plan amendments, qualifying policy requirements, and reciprocity between Partnership states

15%

Medicaid Asset Protection

Dollar-for-dollar asset disregard, Medicaid spend-down, look-back period, and estate recovery

10%

Tax-Qualified vs Non-Qualified LTC

HIPAA tax-qualified standards, ADL/cognitive triggers, deductibility, and per diem limits

15%

NAIC LTC Model Regulation Provisions

Suitability, outline of coverage, 30-day free look, contingent nonforfeiture, and disclosure rules

15%

Policy Provisions, Triggers & Inflation Protection

Six ADLs, severe cognitive impairment, elimination periods, and 5% compound, simple, or GPO inflation options

10%

Suitability, Sales Practices & Replacement

NAIC suitability worksheet, replacement disclosure, ethics, and prohibited practices

How to Pass the LTC Partnership Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: 1-2 hours
  • Exam fee: $50-100 (course)

Keys to Passing

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

LTC Partnership Study Tips from Top Performers

1Memorize the six ADLs (eating, bathing, dressing, toileting, transferring, continence) — HIPAA tax-qualified policies require a benefit trigger of inability to perform 2 of 6 ADLs expected to last at least 90 days, OR severe cognitive impairment.
2Master the dollar-for-dollar disregard rule with an example: if a Partnership policy pays $150,000, the insured keeps $150,000 in countable assets above the state's Medicaid limit (typically $2,000) and still qualifies for Medicaid.
3Know the Partnership inflation rules by age band — most Partnership states require 5% compound annual inflation under age 61, any compound or simple inflation 61-75, and any inflation option (or none in some states) at 76+.
4Distinguish tax-qualified (TQ) from non-qualified (NQ) policies — TQ premiums may be deductible (subject to age-based limits), TQ benefits are excluded from income up to the IRS per diem cap, and TQ policies must use HIPAA-compliant triggers.
5Drill the NAIC LTC Model Regulation core provisions: 30-day free look, outline of coverage delivered at solicitation, suitability worksheet, contingent nonforfeiture on lapse, and replacement disclosure forms.

Frequently Asked Questions

Are 8 hours of LTC Partnership training really required?

Yes. Under the Deficit Reduction Act (DRA) of 2005 and adopting state insurance laws, every producer who sells LTC Partnership policies must complete an 8-hour initial training course before making the first Partnership sale. The 8-hour requirement is set in the federal Partnership state plan amendment template that almost all participating states adopted.

Is a refresher really required every 24 months?

In most Partnership states, yes — a 4-hour refresher (sometimes 5 hours) is required every 24 months to keep selling Partnership policies. A few states use different cycles, so always verify with your state insurance department. Failing to complete the refresher on time means you cannot legally market or sell Partnership policies until you re-comply.

Who needs the LTC Partnership certification?

Any insurance producer with an active health line of authority who intends to solicit, negotiate, or sell LTC Partnership-qualified policies in a Partnership state. Selling regular (non-Partnership) LTC may not require this specific course, but the NAIC LTC training requirement applies to most LTC sales regardless. Most agents complete it to keep all LTC products in their book.

What is the LTC Partnership benefit, in plain English?

Partnership policies offer dollar-for-dollar Medicaid asset disregard. For every dollar a Partnership policy pays out in benefits, the policyholder can protect one extra dollar of countable assets and still qualify for Medicaid. So a policy that pays $200,000 in benefits lets the insured keep $200,000 above Medicaid's normal asset limit (typically $2,000) without spending it down.

What does the course actually cover?

The mandated curriculum covers LTC services and settings, the DRA Partnership program, NAIC LTC Model Regulation requirements, HIPAA tax-qualified vs. non-qualified policy distinctions, ADL and cognitive benefit triggers, inflation protection options (5% compound is required for buyers under 61 in most Partnership states), Medicaid eligibility and asset protection rules, suitability standards, and replacement disclosure.

Do all states have an LTC Partnership program?

No. Roughly 45 states operate active LTC Partnership programs (the count has hovered around 45 since California, Connecticut, Indiana, and New York grandfathered their pre-DRA programs and the rest joined under the DRA). A handful of states — including Alaska, Hawaii, Massachusetts, Mississippi, Utah, Vermont, and the District of Columbia — have not implemented Partnership programs. Most Partnership states honor reciprocity for benefits paid in another Partnership state.