{ "meta": { "title": "Insurance Planning Chapter 7 Exam Bank", "language": "zh-CN", "question_count": 30, "quality_version": "reliability_v2", "answer_distribution": { "A": 4, "B": 4, "C": 3, "D": 3 }, "note": "原创题库，用于学习和自测；不复制教材题目。选择题答案位置已打散，解释含错因。" }, "questions": [ { "id": "c7-q001", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "long_term_care" ], "learning_objective_id": "c7-lo01", "question": "关于 Long-term care，哪项判断最准确？", "choices": { "A": "因身体或认知功能下降而需要长期协助的照护服务。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "reimbursement 给付会自动支付保单最高限额。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Long-term care 的核心是：因身体或认知功能下降而需要长期协助的照护服务。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。" }, "explanation": "正确答案是 A。正确。Long-term care 的核心是：因身体或认知功能下降而需要长期协助的照护服务。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "long_term_care", "reliability_v2" ] }, { "id": "c7-q002", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "adl" ], "learning_objective_id": "c7-lo02", "question": "关于 Activities of daily living，哪项判断最准确？", "choices": { "A": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "B": "基本生活活动：bathing、dressing、toileting、transferring、continence、eating。", "C": "reimbursement 给付会自动支付保单最高限额。", "D": "Partnership policy 让客户无需满足 Medicaid 资格。" }, "answer": "B", "rationale_by_choice": { "A": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "B": "正确。Activities of daily living 的核心是：基本生活活动：bathing、dressing、toileting、transferring、continence、eating。", "C": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "D": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。" }, "explanation": "正确答案是 B。正确。Activities of daily living 的核心是：基本生活活动：bathing、dressing、toileting、transferring、continence、eating。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "adl", "reliability_v2" ] }, { "id": "c7-q003", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "cognitive_impairment" ], "learning_objective_id": "c7-lo03", "question": "关于 Severe cognitive impairment，哪项判断最准确？", "choices": { "A": "reimbursement 给付会自动支付保单最高限额。", "B": "Partnership policy 让客户无需满足 Medicaid 资格。", "C": "严重认知障碍可独立触发长期护理需要。", "D": "Medicare 通常长期支付 custodial nursing home care。" }, "answer": "C", "rationale_by_choice": { "A": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "B": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "C": "正确。Severe cognitive impairment 的核心是：严重认知障碍可独立触发长期护理需要。", "D": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。" }, "explanation": "正确答案是 C。正确。Severe cognitive impairment 的核心是：严重认知障碍可独立触发长期护理需要。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "cognitive_impairment", "reliability_v2" ] }, { "id": "c7-q004", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "custodial_care" ], "learning_objective_id": "c7-lo04", "question": "关于 Custodial care，哪项判断最准确？", "choices": { "A": "Partnership policy 让客户无需满足 Medicaid 资格。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "协助日常生活的非技术性照护。" }, "answer": "D", "rationale_by_choice": { "A": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "正确。Custodial care 的核心是：协助日常生活的非技术性照护。" }, "explanation": "正确答案是 D。正确。Custodial care 的核心是：协助日常生活的非技术性照护。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "custodial_care", "reliability_v2" ] }, { "id": "c7-q005", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "skilled_care" ], "learning_objective_id": "c7-lo05", "question": "关于 Skilled care，哪项判断最准确？", "choices": { "A": "需要专业医疗人员提供的护理或治疗。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "reimbursement 给付会自动支付保单最高限额。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Skilled care 的核心是：需要专业医疗人员提供的护理或治疗。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。" }, "explanation": "正确答案是 A。正确。Skilled care 的核心是：需要专业医疗人员提供的护理或治疗。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "skilled_care", "reliability_v2" ] }, { "id": "c7-q006", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "ltc_elimination_period" ], "learning_objective_id": "c7-lo01", "question": "关于 LTC elimination period，哪项判断最准确？", "choices": { "A": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "B": "从符合条件到开始给付前的等待期，可能按日历日或服务日计算。", "C": "reimbursement 给付会自动支付保单最高限额。", "D": "Partnership policy 让客户无需满足 Medicaid 资格。" }, "answer": "B", "rationale_by_choice": { "A": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "B": "正确。LTC elimination period 的核心是：从符合条件到开始给付前的等待期，可能按日历日或服务日计算。", "C": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "D": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。" }, "explanation": "正确答案是 B。正确。LTC elimination period 的核心是：从符合条件到开始给付前的等待期，可能按日历日或服务日计算。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "ltc_elimination_period", "reliability_v2" ] }, { "id": "c7-q007", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "ltc_benefit_pool" ], "learning_objective_id": "c7-lo02", "question": "关于 Benefit pool，哪项判断最准确？", "choices": { "A": "reimbursement 给付会自动支付保单最高限额。", "B": "Partnership policy 让客户无需满足 Medicaid 资格。", "C": "长期护理保单可用的总给付池，通常由月/日给付额和给付期共同决定。", "D": "Medicare 通常长期支付 custodial nursing home care。" }, "answer": "C", "rationale_by_choice": { "A": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "B": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "C": "正确。Benefit pool 的核心是：长期护理保单可用的总给付池，通常由月/日给付额和给付期共同决定。", "D": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。" }, "explanation": "正确答案是 C。正确。Benefit pool 的核心是：长期护理保单可用的总给付池，通常由月/日给付额和给付期共同决定。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "ltc_benefit_pool", "reliability_v2" ] }, { "id": "c7-q008", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "inflation_protection" ], "learning_objective_id": "c7-lo03", "question": "关于 Inflation protection，哪项判断最准确？", "choices": { "A": "Partnership policy 让客户无需满足 Medicaid 资格。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "让 LTC 给付随时间增长，以抵抗未来护理成本上涨。" }, "answer": "D", "rationale_by_choice": { "A": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "正确。Inflation protection 的核心是：让 LTC 给付随时间增长，以抵抗未来护理成本上涨。" }, "explanation": "正确答案是 D。正确。Inflation protection 的核心是：让 LTC 给付随时间增长，以抵抗未来护理成本上涨。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "inflation_protection", "reliability_v2" ] }, { "id": "c7-q009", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "reimbursement_ltc" ], "learning_objective_id": "c7-lo04", "question": "关于 Reimbursement benefit，哪项判断最准确？", "choices": { "A": "按实际合格护理费用报销，不超过保单限额。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "reimbursement 给付会自动支付保单最高限额。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Reimbursement benefit 的核心是：按实际合格护理费用报销，不超过保单限额。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。" }, "explanation": "正确答案是 A。正确。Reimbursement benefit 的核心是：按实际合格护理费用报销，不超过保单限额。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "reimbursement_ltc", "reliability_v2" ] }, { "id": "c7-q010", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "indemnity_ltc" ], "learning_objective_id": "c7-lo05", "question": "关于 Indemnity/cash benefit，哪项判断最准确？", "choices": { "A": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "B": "符合条件后按固定金额给付，使用更灵活。", "C": "reimbursement 给付会自动支付保单最高限额。", "D": "Partnership policy 让客户无需满足 Medicaid 资格。" }, "answer": "B", "rationale_by_choice": { "A": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "B": "正确。Indemnity/cash benefit 的核心是：符合条件后按固定金额给付，使用更灵活。", "C": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "D": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。" }, "explanation": "正确答案是 B。正确。Indemnity/cash benefit 的核心是：符合条件后按固定金额给付，使用更灵活。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "indemnity_ltc", "reliability_v2" ] }, { "id": "c7-q011", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "medicare_ltc_boundary" ], "learning_objective_id": "c7-lo01", "question": "关于 Medicare LTC boundary，哪项判断最准确？", "choices": { "A": "reimbursement 给付会自动支付保单最高限额。", "B": "Partnership policy 让客户无需满足 Medicaid 资格。", "C": "Medicare 主要处理医疗和有限 skilled care，不是长期护理融资方案。", "D": "Medicare 通常长期支付 custodial nursing home care。" }, "answer": "C", "rationale_by_choice": { "A": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "B": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "C": "正确。Medicare LTC boundary 的核心是：Medicare 主要处理医疗和有限 skilled care，不是长期护理融资方案。", "D": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。" }, "explanation": "正确答案是 C。正确。Medicare LTC boundary 的核心是：Medicare 主要处理医疗和有限 skilled care，不是长期护理融资方案。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "medicare_ltc_boundary", "reliability_v2" ] }, { "id": "c7-q012", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "medicaid_ltc" ], "learning_objective_id": "c7-lo02", "question": "关于 Medicaid for LTC，哪项判断最准确？", "choices": { "A": "Partnership policy 让客户无需满足 Medicaid 资格。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "低收入/低资产资格下可支付部分长期护理，但有资格审查和可能的 estate recovery。" }, "answer": "D", "rationale_by_choice": { "A": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "正确。Medicaid for LTC 的核心是：低收入/低资产资格下可支付部分长期护理，但有资格审查和可能的 estate recovery。" }, "explanation": "正确答案是 D。正确。Medicaid for LTC 的核心是：低收入/低资产资格下可支付部分长期护理，但有资格审查和可能的 estate recovery。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "medicaid_ltc", "reliability_v2" ] }, { "id": "c7-q013", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "partnership_policy" ], "learning_objective_id": "c7-lo03", "question": "关于 Partnership LTC policy，哪项判断最准确？", "choices": { "A": "符合条件的 LTC 保单可在 Medicaid 资格中提供一定资产保护。", "B": "Medicare 通常长期支付 custodial nursing home care。", "C": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "D": "reimbursement 给付会自动支付保单最高限额。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Partnership LTC policy 的核心是：符合条件的 LTC 保单可在 Medicaid 资格中提供一定资产保护。", "B": "错误。Medicare 通常不支付仅需 custodial care 的长期护理。", "C": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "D": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。" }, "explanation": "正确答案是 A。正确。Partnership LTC policy 的核心是：符合条件的 LTC 保单可在 Medicaid 资格中提供一定资产保护。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "partnership_policy", "reliability_v2" ] }, { "id": "c7-q014", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "hybrid_ltc" ], "learning_objective_id": "c7-lo04", "question": "关于 Hybrid life/LTC，哪项判断最准确？", "choices": { "A": "只缺 1 项 ADL 就一定触发所有税优 LTC 给付。", "B": "把寿险或年金与 LTC 给付结合，降低传统 LTC 不用则浪费的心理阻力。", "C": "reimbursement 给付会自动支付保单最高限额。", "D": "Partnership policy 让客户无需满足 Medicaid 资格。" }, "answer": "B", "rationale_by_choice": { "A": "错误。典型合格 LTC 触发常看 2 项 ADL 或严重认知障碍等条件。", "B": "正确。Hybrid life/LTC 的核心是：把寿险或年金与 LTC 给付结合，降低传统 LTC 不用则浪费的心理阻力。", "C": "错误。reimbursement 通常按实际合格费用报销，不自动拿满。", "D": "错误。Partnership 可能提供资产 disregard，但不取消资格审查。" }, "explanation": "正确答案是 B。正确。Hybrid life/LTC 的核心是：把寿险或年金与 LTC 给付结合，降低传统 LTC 不用则浪费的心理阻力。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_7", "hybrid_ltc", "reliability_v2" ] }, { "id": "c7-q015", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "long_term_care", "adl", "cognitive_impairment" ], "question": "案例陷阱题：Medicare 不是长期护理保险。。学生应该怎样纠正这个判断？", "answer": "具体错因：Medicare 不是长期护理保险。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：Medicare 不是长期护理保险。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "tags": [ "chapter_7", "exam_trap", "reliability_v2" ] }, { "id": "c7-q016", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "long_term_care", "adl", "cognitive_impairment" ], "question": "案例陷阱题：1 项 ADL 通常不足以触发典型税优 LTC。。学生应该怎样纠正这个判断？", "answer": "具体错因：1 项 ADL 通常不足以触发典型税优 LTC。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：1 项 ADL 通常不足以触发典型税优 LTC。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "tags": [ "chapter_7", "exam_trap", "reliability_v2" ] }, { "id": "c7-q017", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "long_term_care", "adl", "cognitive_impairment" ], "question": "案例陷阱题：reimbursement 不会自动拿满保额。。学生应该怎样纠正这个判断？", "answer": "具体错因：reimbursement 不会自动拿满保额。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：reimbursement 不会自动拿满保额。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "tags": [ "chapter_7", "exam_trap", "reliability_v2" ] }, { "id": "c7-q018", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "long_term_care", "adl", "cognitive_impairment" ], "question": "案例陷阱题：Partnership policy 不是 Medicaid 免审。。学生应该怎样纠正这个判断？", "answer": "具体错因：Partnership policy 不是 Medicaid 免审。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：Partnership policy 不是 Medicaid 免审。。长期护理要先看 ADL/认知障碍触发，再分 Medicare、Medicaid、skilled care 和 custodial care。", "tags": [ "chapter_7", "exam_trap", "reliability_v2" ] }, { "id": "c7-q019", "type": "comparison", "difficulty": "medium", "concept_ids": [ "skilled_care", "inflation_protection" ], "question": "比较 Skilled care 与 Inflation protection：考试中应如何分辨？", "answer": "Skilled care：需要专业医疗人员提供的护理或治疗。；Inflation protection：让 LTC 给付随时间增长，以抵抗未来护理成本上涨。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Skilled care 的信号是 和长期 custodial care 区分。；Inflation protection 的信号是 年轻购买者不加通胀保护风险很大。。", "tags": [ "chapter_7", "skilled_care", "inflation_protection", "comparison", "reliability_v2" ] }, { "id": "c7-q020", "type": "comparison", "difficulty": "medium", "concept_ids": [ "ltc_elimination_period", "reimbursement_ltc" ], "question": "比较 LTC elimination period 与 Reimbursement benefit：考试中应如何分辨？", "answer": "LTC elimination period：从符合条件到开始给付前的等待期，可能按日历日或服务日计算。；Reimbursement benefit：按实际合格护理费用报销，不超过保单限额。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。LTC elimination period 的信号是 现金流准备要覆盖等待期。；Reimbursement benefit 的信号是 不会因为限额高就自动拿满。。", "tags": [ "chapter_7", "ltc_elimination_period", "reimbursement_ltc", "comparison", "reliability_v2" ] }, { "id": "c7-q021", "type": "comparison", "difficulty": "medium", "concept_ids": [ "ltc_benefit_pool", "indemnity_ltc" ], "question": "比较 Benefit pool 与 Indemnity/cash benefit：考试中应如何分辨？", "answer": "Benefit pool：长期护理保单可用的总给付池，通常由月/日给付额和给付期共同决定。；Indemnity/cash benefit：符合条件后按固定金额给付，使用更灵活。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Benefit pool 的信号是 不要只看每日给付。；Indemnity/cash benefit 的信号是 通常成本更高，要看条款。。", "tags": [ "chapter_7", "ltc_benefit_pool", "indemnity_ltc", "comparison", "reliability_v2" ] }, { "id": "c7-q022", "type": "comparison", "difficulty": "medium", "concept_ids": [ "inflation_protection", "medicare_ltc_boundary" ], "question": "比较 Inflation protection 与 Medicare LTC boundary：考试中应如何分辨？", "answer": "Inflation protection：让 LTC 给付随时间增长，以抵抗未来护理成本上涨。；Medicare LTC boundary：Medicare 主要处理医疗和有限 skilled care，不是长期护理融资方案。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Inflation protection 的信号是 年轻购买者不加通胀保护风险很大。；Medicare LTC boundary 的信号是 高频陷阱。。", "tags": [ "chapter_7", "inflation_protection", "medicare_ltc_boundary", "comparison", "reliability_v2" ] }, { "id": "c7-q023", "type": "comparison", "difficulty": "medium", "concept_ids": [ "reimbursement_ltc", "medicaid_ltc" ], "question": "比较 Reimbursement benefit 与 Medicaid for LTC：考试中应如何分辨？", "answer": "Reimbursement benefit：按实际合格护理费用报销，不超过保单限额。；Medicaid for LTC：低收入/低资产资格下可支付部分长期护理，但有资格审查和可能的 estate recovery。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Reimbursement benefit 的信号是 不会因为限额高就自动拿满。；Medicaid for LTC 的信号是 不是中高资产客户的优先规划方案。。", "tags": [ "chapter_7", "reimbursement_ltc", "medicaid_ltc", "comparison", "reliability_v2" ] }, { "id": "c7-q024", "type": "comparison", "difficulty": "medium", "concept_ids": [ "indemnity_ltc", "partnership_policy" ], "question": "比较 Indemnity/cash benefit 与 Partnership LTC policy：考试中应如何分辨？", "answer": "Indemnity/cash benefit：符合条件后按固定金额给付，使用更灵活。；Partnership LTC policy：符合条件的 LTC 保单可在 Medicaid 资格中提供一定资产保护。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Indemnity/cash benefit 的信号是 通常成本更高，要看条款。；Partnership LTC policy 的信号是 不是自动免审查。。", "tags": [ "chapter_7", "indemnity_ltc", "partnership_policy", "comparison", "reliability_v2" ] }, { "id": "c7-q025", "type": "comparison", "difficulty": "medium", "concept_ids": [ "medicare_ltc_boundary", "hybrid_ltc" ], "question": "比较 Medicare LTC boundary 与 Hybrid life/LTC：考试中应如何分辨？", "answer": "Medicare LTC boundary：Medicare 主要处理医疗和有限 skilled care，不是长期护理融资方案。；Hybrid life/LTC：把寿险或年金与 LTC 给付结合，降低传统 LTC 不用则浪费的心理阻力。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Medicare LTC boundary 的信号是 高频陷阱。；Hybrid life/LTC 的信号是 有机会成本和较高前期资金占用。。", "tags": [ "chapter_7", "medicare_ltc_boundary", "hybrid_ltc", "comparison", "reliability_v2" ] }, { "id": "c7-q026", "type": "comparison", "difficulty": "medium", "concept_ids": [ "medicaid_ltc", "long_term_care" ], "question": "比较 Medicaid for LTC 与 Long-term care：考试中应如何分辨？", "answer": "Medicaid for LTC：低收入/低资产资格下可支付部分长期护理，但有资格审查和可能的 estate recovery。；Long-term care：因身体或认知功能下降而需要长期协助的照护服务。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Medicaid for LTC 的信号是 不是中高资产客户的优先规划方案。；Long-term care 的信号是 不是普通住院医疗费。。", "tags": [ "chapter_7", "medicaid_ltc", "long_term_care", "comparison", "reliability_v2" ] }, { "id": "c7-q027", "type": "comparison", "difficulty": "medium", "concept_ids": [ "partnership_policy", "adl" ], "question": "比较 Partnership LTC policy 与 Activities of daily living：考试中应如何分辨？", "answer": "Partnership LTC policy：符合条件的 LTC 保单可在 Medicaid 资格中提供一定资产保护。；Activities of daily living：基本生活活动：bathing、dressing、toileting、transferring、continence、eating。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Partnership LTC policy 的信号是 不是自动免审查。；Activities of daily living 的信号是 IADL 不等于 ADL。。", "tags": [ "chapter_7", "partnership_policy", "adl", "comparison", "reliability_v2" ] }, { "id": "c7-q028", "type": "comparison", "difficulty": "medium", "concept_ids": [ "hybrid_ltc", "cognitive_impairment" ], "question": "比较 Hybrid life/LTC 与 Severe cognitive impairment：考试中应如何分辨？", "answer": "Hybrid life/LTC：把寿险或年金与 LTC 给付结合，降低传统 LTC 不用则浪费的心理阻力。；Severe cognitive impairment：严重认知障碍可独立触发长期护理需要。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Hybrid life/LTC 的信号是 有机会成本和较高前期资金占用。；Severe cognitive impairment 的信号是 不要只看身体 ADL。。", "tags": [ "chapter_7", "hybrid_ltc", "cognitive_impairment", "comparison", "reliability_v2" ] }, { "id": "c7-q029", "type": "comparison", "difficulty": "medium", "concept_ids": [ "long_term_care", "custodial_care" ], "question": "比较 Long-term care 与 Custodial care：考试中应如何分辨？", "answer": "Long-term care：因身体或认知功能下降而需要长期协助的照护服务。；Custodial care：协助日常生活的非技术性照护。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Long-term care 的信号是 不是普通住院医疗费。；Custodial care 的信号是 Medicare 通常不覆盖长期 custodial care。。", "tags": [ "chapter_7", "long_term_care", "custodial_care", "comparison", "reliability_v2" ] }, { "id": "c7-q030", "type": "comparison", "difficulty": "medium", "concept_ids": [ "adl", "skilled_care" ], "question": "比较 Activities of daily living 与 Skilled care：考试中应如何分辨？", "answer": "Activities of daily living：基本生活活动：bathing、dressing、toileting、transferring、continence、eating。；Skilled care：需要专业医疗人员提供的护理或治疗。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Activities of daily living 的信号是 IADL 不等于 ADL。；Skilled care 的信号是 和长期 custodial care 区分。。", "tags": [ "chapter_7", "adl", "skilled_care", "comparison", "reliability_v2" ] } ] }