Question

5. Many long-term care policies provide benefits for occasional full-time care so that family members who are providing home care can take a needed break. Such a benefit is referred to as

A. respite care

B. care coordination

C. adult day care

D. intermediate care

8. Both Mary and her friend have personal auto policies (PAPs). If Mary is involved in an auto accident while driving her friend's car, how do the two PAPs coordinate their liability coverage (Part A)?

A. Each PAP will pay its pro rata share of any loss.

B. Mary's PAP provides primary coverage and the friend's PAP is excess.

C. The friend's PAP provides primary coverage and Mary's PAP is excess.

D. Each PAP will deny coverage because of the existence of other insurance.

9. Lucy became disabled as the result of a tragic accident in the candy factory where she worked. Her husband, Ricky, was not injured, but he had to hire a housekeeper to provide childcare and handle other tasks formerly handled by Lucy. Ricky sued the candy factory for loss of services. Which of the following types of insurance, if carried by the candy factory, will respond to Ricky's claim?

A. Commercial general liability insurance

B. Workers' compensation and employers liability insurance

C. Employment practices liability insurance

D. Products liability insurance

Answer 1

Q.5.

Respite care provides short-term relief for primary caregivers. It can be arranged for just an afternoon or for several days or weeks. Care can be provided at home, in a healthcare facility, or at an adult day center.

Correct Ans - A