In each blank, try to type in the
word that is missing. If you've
typed in the correct word, the
blank will turn green.
If your not sure what answer should be entered, press the space bar and the next missing letter will be displayed. When you are all done, you should look back over all your answers and review the ones in red. These ones in red are the ones which you needed help on. Question: Absolute Answer: Irrevocable transfer of complete ownership of a life policy to another. Question: Accessory Answer: Conversion of area in a home to a living unit w/own kitch, bath, entrance. Question: death benefit life provision (also known as living benefit) Answer: Provision in life ins policy that conditions owner is able to receive reduced benefits while alive - onset of serious illness or confinement to nursing home Question: assignmentAnswer: Claim filing system that in Medicare Part B that control seniors out-of-pocket costs & expedites pmts t drs & other providers. Question: Accidental death riderAnswer: Supp. benefit rider that provides for an amount of money in addition to the basic death benefit of a life policy. Only payable if insured dies or loses any 2 limbs or sight of both eyes. Question: Active (retirement) communitiesAnswer: Residential developments that offer living in a planned facility with organized leisure and recreation, plus no maintenance duties. Thet are for seniors, but younger guests are welcome. Question: of daily living (ADL)Answer: 6 basic personal care activities: eating, toileting, , bathing, transferring & continence. The ability to perform ADLs can help pros assess their personal self-maint. LTC policies use ADLs unaided as a gauge for deciding when to pay benefits. Question: Acute Answer: severe with a rapid onset and a generally short duration. Question: myocardial infarctionAnswer: Also known as a heart attack. Occurs when an area of heart muscle dies or is permenantly because of an inadequate supply of oxygen to that area. Question: Adjusted Answer: The owners original basis in an asset, plus or minus depreciation. Question: gross EstateAnswer: Accumulated assets of a decedent, minus administrative expenses to settle the estate, funeral expenses, debts of the decedent, uninsured theft and casualty losses to estate property and against the estate. Question: Adjusted gross (AGI)Answer: amount of a person's wages, dividends, and other financial receipts, minus adjustments to income, such as alimony paid and deductible contributions to IRAs. Question: Adjusted giftsAnswer: A post-1976 taxable gifts, reduced by taxable gifts included in the gross estate, which are added to a decedents taxable estate to form the estate's tax base. Question: disordersAnswer: Distress leading to impairment in daily functioning and occurs within 3 months of a specific event and does not last longer than 6 months after the end of the stressful event. Question: Adjustments to Answer: The used to arrive at AGI, adjustments to income include IRA contributions, half self-empl taxes, self-employ health insurance, job related moving expenses, alimony paid and penalty on early withdrawal from savings. Question: (Administratrix)Answer: Person who settles the when an individual dies intestate. Question: Adult day Answer: Care at a community-based center for adults who need assistance or supervision during the day but who do not need around the clock care. Question: DirectiveAnswer: Statement made by individual, usually in written document, concerning the medicall treatment to be provided and decision-maker to be if the patient becomes terminnally ill or incapacitated. Question: -tax returnAnswer: Amount of income on investments after applicable income taxes are subtracted. Question: AgeismAnswer: and stereotypes that are applied to persons based soley on their age. Question: Age-period-cohortAnswer: Method of understanding the psychology of growing older by analyzing 3 areas: aging effects, process of growing older; period effects, events of specific time in history; and cohort effects, common characteristics of a born in same part of time Question: AgingAnswer: Regular changes that in mature organisms as they live for chronologically longer periods. Question: in placeAnswer: Concept describing a senior remaining in the same residence & coping successfully with associated vulnerabilities by themselves or with . Question: Answer: Inability to recognize familiar in the absence of sesory deficits. Question: Answer: Extreme fear of being in places from it is not easy to escape. Question: Alternative Answer: A container, used in lieu os a casket usually used for immediate burial. Alternative containers are constructed of pine boards, particleboard or hard cardboard. Question: minimum tax (AMT)Answer: Payment that may be required of taxpayers who would otherwise have significantly reduced taxation thru high use of tax preference items or . Question: 's diseaseAnswer: Progressive, degenerative form of dementia that causes deterioration of mental functioning, including memory loss, impairment of judgement, abstract thinking and deterioration of personality. Question: Answer: Localized enlargement of an artery. This can cause pressure to rupture and spill blood into the space surrounding brain cells. Question: AnginaAnswer: Localized pain related to the demands made on the heart, most commonly for the performance of , but also to cope with emotional reactions. Question: medicationsAnswer: Used to symptoms associated with dementia. Question: Answer: Procedure used to widen vessels narrowed by stenoses or occlusions. Variuous types of these and their names are associated with the type of vessel entry and equipment used. Question: Annual Answer: Maximum amount a person may give each year as a gift having to pay a gift tax. Question: Answer: Recipient of annuity . Question: AnnuityAnswer: from capital investment paid in a series of regular payments. Question: AphasiaAnswer: Partial or total loss of the ability to speak or understand speech due to a disorder in the cerebellum of the . Question: Answer: Cellular suicide to prevent a genetic error (as found in cancerous cells) from passed on. Question: exclusionAnswer: Amount of an individual's assets that can be held not to federal estate tax. Question: Answer: Difficulty with physical movement despite otherwise normal physical functioning. in gait (walking) is one common example. Question: ArthritisAnswer: Inflammation of the Question: nutrition and hydrationAnswer: Provision of food and water to a using a tube inserted into the esophagus or surically implanted into the stomach. Question: Asset allocation Answer: Method of diversification aimed at reducing variablility of return from a portfolio of investments. The point of assest allocation is to invest in different types of assets that have low with others in the portfolio. Question: Answer: What a person owns. assets cash and cash equivalents, invested assets and use assets. Question: Answer: Act of a person transferring ownershio of a life insurance policy to person. Question: living facilityAnswer: Residential housing meant for seniors with physical or cognitive impairments that make it difficult for them to perform an average of two ADLs without . Question: suicideAnswer: Deliberate hastening of death by a terminally ill patient with from a doctor, family member or other individual. Question: technologyAnswer: Device used to improve the capabilities of an individual with disabilities. Assistive technology is an umbrella term that also includes medical equipment. Question: AtherosclerosisAnswer: Blockage within blood vessels that contributes to the development of disease and other circulatory disorders. Question: At-needAnswer: Funeral or burial at the time of . Question: Authentic Answer: Intentions for the future that are genuine, real and a truthful reflection of a 's beliefs. Question: sheet (also called statement of financial position)Answer: Financial statements listing a client's assets, liabilities and net as of a specific date. Question: BasalAnswer: Rate of the body's processes at baseline or at rest. Question: Basal rate (BMR)Answer: Rate of the body's at a baseline or at rest. Question: Answer: Amount a person has in an asset, or the tax cost of an asset. Question: BathingAnswer: Washing oneself in either a tub or shower. This activity included the task of getting into or out of the tub or . Question: BelongingAnswer: Sense of community that our need to be part of a group that shares and validates our values and beliefs, and in which we feel ssafe, secure and free to be ourselves. Question: BeneficiaryAnswer: In the context of insurance, the person or entity who has remainder interest in policy proceeds. In the contexts of , the person who benefits from the trust and who beneficial ownership of trust assets. Question: periodAnswer: of time used to measure use of svcs 4 inpatient hosp & skill nursing fac care & separately for hospice. Benefit period begins 1st day bene enters an inpatient hosp & ends when they have not rcvd inpatient hosp/skill care for 60 days in a row. Question: Benefit Answer: Term used by companies to describe the criteria and methods they use to determine when a person is eligible to receive benefits. Question: Answer: Any of the group of chemical compounds with a common molecular structure and similar pharmacological effects. Used as anti-anxiety agents, muscle relaxants, sedatives, hypnotics and as anticonvulsants. Question: Answer: of the death of a loved one. Question: Answer: Actions designed to retard or the aging process. Question: BequestAnswer: Act of transferring personal by a will. Question: Biological familyAnswer: Kinship unit that of a husband and wife living together with children by birth or adoption only (i.e. does not include blended families) Question: BiomarkersAnswer: Key factors associated with aging. Question: of functional ageAnswer: Physiological factors used to estimate the rate at which the very fundamental processes of aging occur individuals. Question: disorderAnswer: process in which mood cycles back and forth between periods of mania, normal functioning and depression. Question: familiesAnswer: Husband and wife together with children brought to the family by one or both partners from previous marriages or relationships; may also include children from their union. Question: and careAnswer: Residential setting-often lg, conventional, single-family house-consisting of multiple bedrooms, each occupied by 1 or alternatively by 2-4 residents. They may share bathroom facilities, and most activities will occur in the bldg's common areas. Question: Body Answer: Means of final disposition in which the 's remains are given to research to a medical school or dental school. Question: Answer: Debt that a legal obligation of the issure to pay principal and interest when due. Question: Answer: Psychological fences that define emotional limits and delineate what is acceptable and behavior. In healthy caregiving relationships, boundaries act as operational parameters that outline how the caregiver/care recipient relationship works. Question: BudgetAnswer: Financial statement listing expected income and expenses for a period of time. Question: BurnoutAnswer: State of mental or physical exhaustion caused by excessive and stress. Question: ethicsAnswer: Principles that should govern the conduct of , whether at the individual or collective level; the way that people should act in business. Question: Answer: Various malignant neoplasms characterized by the proliferation of cells that tend to invade surrounding tissue and metastasize to new body sites. Question: Capital gain / Answer: Increase or decrease in value a seller realizes on the sale or exchange of a capital asset. A net short-term capital gain is as ordinary income. A net long-term capital gain is generally subject to a maximum 20 percent tax rate. Question: Cardiopulmonary (CPR)Answer: Emergency treatment that compresses the heart and forces air into the patient's . It is applied when the patient's heart or breathing stops. Question: CarefrontationAnswer: Time of introspection to help potential caregivers determine if they can embrace the role. Introspection is an honest appraisal of when caregivers take a truthful look at who they are & what they can handle physically, emotionally & mentally. Question: CaregiverAnswer: Person who provides unpaid care to someone who help with activities of daily living (ADLs) or instrumental activities of daily living (IADLs). Question: Care managers (also geriatric managers)Answer: Persons who help navigate seniors thru the sometimes long-term supportive services system. Question: (Medicare Part B)Answer: Private who contract with the Centers for Medicare and Medicaid Services to make coverage determination and process Medicare claims. Question: Cash-flow Answer: financial analysis that lists inflows and expenditures made by a person or family over a particular period. Question: Cash Answer: Method of funds distribution in which the recipient decides how to spend $ for care, including purchasing svcs from vendors, hiring a friend to help with ADLs, purchasing assistive technology, or modifying home to make it more accessible. Question: Cash surrender optionAnswer: Insurance policy provision allowing a policyholder to surrender the contract in exchange for $ equal to an insurance policy's accum. value, less any loans on the policy. Upon payout of the cash surrender value, the insurer no longer coverage. Question: Answer: Metal, wood or plastic container in a deceased's remains are interred. Question: needyAnswer: Definition of financial deficiency required of individuals who receive federally assisted income maintenance payments such as Aid to with Dependent Children (AFDC) or Supplemental Security Income (SSI) Question: CellAnswer: living unit of the body. Question: CemeterianAnswer: Owner or staff of a . Question: Certificate of (CD)Answer: Fixed-income investment vehicle available through financial institutions. Interest rates and maturities of CDs are fixed at the time of purchase. Maturities vary from a few to a few years and early redemption may result in the pmt of penalties. Question: Charitable gift Answer: Agreement by a charity to provide a lifetime annual in exchange for assets received from donor. Question: lead trust (CLT)Answer: Instituition that accepts assets from donor and in return pays income to one/more charities while remainder is distributed to family at trust termination. Char. lead trusts generally don't reduce a donor's taxable estate for fed estate tax . Question: Charitable remainder (CRT)Answer: Irrevocable agreement between an institution and donor designed to pay income to living bene. A donor transfers assets into a CRT, reserves an annuity income interest in the prop & contributes the remainder int in the prop to the at donor's death. Question: ChemotherapyAnswer: Treatment of cancer using specific chemical agents or drugs that are destructive to malignant cells and tissues. Question: illnessAnswer: Medical condition with one or more of the following characteristics: permanency, residual disability; requiring rehabilitation training, or a long period of supervision, observation or care. Question: illAnswer: Term used in a tax-qualified long-term care to describe a person who needs long-term care either because of an inability to do everyday activities of daily living (ADLs) without help or because of a severe cognitive impairment. Question: Chronological Answer: Calculation of age in of number of years a person has lived; calendar age. Question: Answer: Excessive trading (overtrading) by an of a client's assets to earn commissions rather than improve the client's situation. Question: Code of Answer: Open of the way an organization operates, providing members or employess visible guidelines for behavior. Question: impairmentsAnswer: Deficiency in a person's short- or long-term memory; as to person, place, and time; deductive or abstract reasoning, or judgement as it relates to safety awareness. Question: Answer: Building with niches or spaces for urns the cremated remains of the deceased. Question: Commercial Answer: Agreement by an insurance company to pay a sum of money to an individual in exchange for receipt of money or property from the . Question: Common-law Answer: A state that deems property originally purchased in that may not be held as community property. Question: propertyAnswer: Assets acquired by either or both spouses during a marriage, if couple lives in a community property . Each spouse is considered to own half of property, regardless of who provided the means to purchase the property & regardless of how title is held. Question: property stateAnswer: A state that deem spouses can own property as community property. include Alaska, Arizona, CA, Idaho, LA, Nevada, New Mexico, TX, WA, and WI. Question: Community (CS)Answer: A spouse who continues to live at home in the community while his/her lives in a nursing home. Question: spouse resource allowance(CSRA)Answer: Amount that Medicaid regulations permit a community to retain. Question: CompetenceAnswer: In the of health care, ability of a patient to make independent decisions about medical treatments. Question: rateAnswer: Percentage of interest earned on an investmens, expressed as an annual rate or a rate per compounding period. Question: CompoundingAnswer: Process of interest accumulating on both a balance and previously earned interest. Question: financial planAnswer: A financial plan that just about all of a person's financial objectives, including consdideration of risk management, investment planning, tax planning, retirement planning and estate planning. Question: CompulsionsAnswer: Repeated behaviors (e.g. hand , reciting a word to prevent someone from getting hurt, checking locks, cleaning) intended to reduce a person's anxiety, often an obsession. Question: Conductive lossAnswer: Inability of sound wave to pass satisfactorily to the inner ear. Common causes of this are wax buildup in the ear canal, perforated , fluid in the middle ear or damage to the ossicles. Question: Conduit Answer: Unofficial term for an IRA used to park a distribution from one qualified plan until it can be rolled over to another qualified plan. With a conduit IRA, the forward-averaging potential of the distribution can be . Question: (disorientation)Answer: Loss of sense of position in relation to time, space or other aspects of the environment. Confusion may be the sign of an illness, such as a urinary tract infection. Question: Congruent Answer: Intentions for the future that are consistent, corresponding and harmonious with each . Question: Conservator (guardian of the )Answer: Person appointed by the court to manage the financial and affairs of an incapacitated individual. Question: Answer: Ability to maintain contol of and bladder function or when unable to maintain control of these functions, to perform associated personal hygiene (including caring for catheter or colostomy bag). Question: beneficiaryAnswer: Person who stands next in line to receive an asset if the primary beneficiary predeceases the owner or the asset. Question: Continuing care community (CCRC, also known as life care)Answer: Communities that provide a type of combined health, housing & social care insurance for older persons. A person signs a contract and agrees to pay an fee & a monthly service fee in exchange for a living unit, health care & lifetime nursing care. Question: theoryAnswer: Concept that as people get they usually seel to pursue the same activities they engaged in earlier in life. Question: Continuum of Answer: Fluctuation of ability to perform tasks. Many seniors vacillate between being capable and incapable to do many tasks, never being able, but also never being completely able. Question: Coronary Answer: Vessels that supply nutrients and to the heart muscle. Question: artery bypass graft (CABG)Answer: Surgical procedure in which one or more blocked coronary arteries are circumvented by a blood graft to restore normal blood flow to the heart. These grafts usually come from the patient's own leg, arm or chest arteries & veins. Question: Cost Answer: Amount paid to a capital asset. Question: Cost of adjustment (COLA)Answer: Annual fluctuations in wages used to offset a change in purchasing power, as by the Consumer Price Index (CPI). Question: (previously called quarters of coverage)Answer: Units of work history that determine a worker's for future SS benefits. Workers can earn a max of 4 credits each yr & most need 40 credits to qualify for benefits. Younger peeps need fewer credits to qualify for disablity or survivor benefits. Question: Answer: of final disposition in which the body is incinerated. Question: (crematory)Answer: where a body is cremated. Question: Crossover Answer: Stmts of claim & pmt info from a Medicare or carrier used to inform a Medigap insurer of deductibles or coins charges required. The Medigap insurer uses crossover claims to pay provider for deductibles or coinsur charges the beneficary owes. Question: Answer: Space in a mausoleum that encloses a casket with the of the deceased. Question: care (personal care)Answer: Care, often provided by someone without professional training, to help individuals meet personal needs such as bathing, dressing and . Question: benefitAnswer: of insurance benefit (in dollars) paid to a beneficiary for daily long-term care expenses. Question: DecouplingAnswer: Act of levying a state tax that is not dependent on the rules of the system. Question: surrogateAnswer: Person, in the absence of an advance directive, who has decision-making to advise the physician. Question: Deferred Answer: Investment product in which payments do not begin immediately upon funding; rather, they are deferred a future date. Question: DeliriumAnswer: Reversible organic mental disorder characterized by disturbances of attention, memory and orientation with altered levels of consciousness ranging from mild to stupor. Delusions, illusions or hallucinations may be present. Question: DelusionAnswer: belief that persists despite logical argument and contradictory evidence. Question: Delusional Answer: Persistant delusions in the absence of other . Question: billAnswer: Stmt of cost submitted by medical care poviders to Medicare, even if they think that Medicare won't pay for a service. After a Medicare fiscal intermediary or carrier issues a denial, the can request reconsideration of the adverse decision. Question: response (also called dial-a-ride)Answer: Service that provides transportation from one specific location to . Question: Answer: Pervasive cognitive decline: sleep disturbances; lost interest in activities; poor attention/concentration; loss of appetite; agitation or retardation of movement; irritability; memory loss; difficulty organizing; lang & later incontience. Question: transitionAnswer: Change in population identified w/ developing countries & associated improvements in public health & medicine. As countries become developed they experience a shift from rapid growth rate to slow growth to zero growth to reduction in population. Question: DiabetesAnswer: Metabolic disorder in which the body is unable to properly utilize glucose. May be Type 1 IDDM (insulin-depependent mellitus) or Type 2 NIDDM (non-insulin-dependent diabetes mellitus). Question: ketoacidosisAnswer: Emergency condition in which extremely high blood glucose levels, along with a sever lack of , result in the breakdown of body fat for energy and an accumulation of ketones in the blood and urine. Question: Diastolic Answer: Measurement (the bottom number of a pressure reading) of the pressure remaining in the arteries betwen heart beats. Question: cremationAnswer: Disposition where the deceased is cremated without embalming or funeral service with the body . Question: Direct Answer: Tax-free transfer of cash or other property between two taxdeferred retirement plans where transferred cash or never passes throught the hands of the owner. Question: DisabilityAnswer: Reduction in functional capacity that results from physiological, psychological or social impairments. - or long-term disability are a result of acute and chronic conditions, respectively. Question: Answer: Act of waiving the right to an inheirtance, resulting in the inheirtance to the next in line, in accordance with the terms of the will, trust or laws of intestacy. Question: DiscriminationAnswer: Behaviors, specifically those that restrict, impair, exploit, humiliate or otherwise hurt . Question: Answer: Interruption in the process of , manifested by abnormalities or disturbances of functioning. Question: DisinhibitionAnswer: Personal loss of behavioral limits of self-restraint, as through the influence of external stimuli such as drugs, alcohol, or as a result of brain damage, Question: Answer: from a retirement plan. For mutual funds, a payment by a mutual fund to shareholders, either in cash or shares, for dividends received from securities in the fund or capital gains generated from the sale of securities in the fund. Question: Answer: The process or stategy of investing in different of assets to reduce risk. Question: Domestic abuseAnswer: Mistreatment of an older person by someone who has a special relationship with the elder (spouse, sibling, child, friend or caregiver) in either the older person's home or in the home of the . Question: Do not (DNR) orderAnswer: Physician's order, inserted into a patient's medical chart, stating that CPR not be used as a lifesaving procedure. Question: DressingAnswer: Putting on and off all items of clothing and any necessary braces, fasteners or artificial limbs. Question: power of attorney for health care (proxy stmt)Answer: Legal document prepared by an individual authorizing a family member or friend to make care decisions on their behalf in case of incompetence. Question: Dual Answer: covered by both Medicare and Medicaid. Question: DysphagiaAnswer: Condition in which stroke patients have trouble and swallowing. Question: Answer: Chronic; less severe form of depression including mood most of the day, most days, for at least two years that causes significant distress or impairment in daily functioning. Question: Earned income (EIC)Answer: Refundable tax created to assist low-income working families. Question: EatingAnswer: oneslf by getting food into the body from a receptacle (such as a plate, cup or table) or through feeding tube or intravenous delivery. Question: Elder cottage housing (ECHO)Answer: Small, freestanding, housing units, typically in the side or backyard of a single-family home to provide housing for elderly parents so that they can be near their adult children for mutual aid and support but sill live independently. Question: therapyAnswer: Treatment that involves inducing a brain seizure by passing an electrical current through the brain for a few via small electrodes attached to the head. Question: Elimination period (waiting )Answer: Length of time an individual must pay for covered services before the insurance company will begin to make payments. It serves as a kind of deductible. The longer the elimination in the policy, the lower the premium. Question: Answer: Process in the body fluid of a decedent are drained and chemicals inserted to retard decay. Question: Emergency Answer: Reserve cash available to handle emergencies. Financial planners typically recommend an amount equal to three to six months of and variable expenses. Question: Answer: Process of identifying with and another's circumstances, feelings and motives. Question: Employee Retirement Security Act of 1974 (ERISA)Answer: Federal law governing the of private tax-deferred retirement plans. Qualified employer-sponsored retirement plans must comply with ERISA. Question: activityAnswer: Activity that lasts at least 30 minutes conducted to increase breathing and build stamina, which supports independence and of activities. Question: EquityAnswer: Onwnership in particular to having the right to share in future profits or appreciation in value (e.g. of property or stock). Question: theoryAnswer: that aging is caused by environmentsl attacks to our body systems, resulting in damage over time. Question: Escort Answer: Transportation business or agency that picks up clients at home, them through appointments and then returns them home. Question: Answer: All property interests a person owns, including properrty over the person exercises decisive control. Question: Estate Answer: Documents that detail the instructions to be followed during disability or after death. People without an plan in effect choose to let the laws of the state provide the instructions to be followed during disability or after death. Question: planningAnswer: Process of directing one's affairs to provide income, investments and appropriation of for oneslf or others during life or upon disability or death. Question: taxAnswer: Tariff levied upon a decedent's by the federal government and some states, based on the value of the decedent's assets at death. Question: Answer: Sex hormone found primarily in women, but also in men. This has many roles, one of which is to slow thinning of bone as one ages, but it also may help prevent fraility and disability. Question: willsAnswer: Systematic writing down or one's intangible legacy of values to children and family members. Question: EuthanasiaAnswer: Act or of terminating (which can take a variety of forms) the life of a person. Question: Excess Answer: Fifteen percent markup on Medicare's approved amount allowed to who do not accept assignment. Question: ExclusionAnswer: For tax the amt not when calc gross inc. includes amt that otherwise would be included in a taxpayers gross income except that a code section excludes it. Common exclus-muni bond inc, gift, inheritance, death ins proceeds, pers resid sale gain. Question: Executive Answer: of mental processes that includes problem solving, abstract thinking (recognizing, i.e. that an apple and an orange are both fruit), organization and judgement. Question: Executor (executrix or personal (PR)Answer: Representative responsible for property when an individual dies with a valid will. Question: medical measuresAnswer: Medical treatment that would not provide a distinct benefit, would not serve a patient's best interest or would be unreasonable in improving or saving a patient's life. Question: Family Answer: Group of two or more people related by , marriage or adoption and residing together, along with other unrelated people who may be living in the housing unit. Question: Family limited (FLP)Answer: Agreement among family members about how to manage and own family wealth. In this agreement, it is common for the business owner to maintain control of the business trasferring title. Question: partnershipAnswer: Business agreement limited to only family members. Used by senior family members to transfer intersts in the business to junior family members at a reduced gift tax cost by means of valuation . Question: FiberAnswer: Portions of plants that mammals cannot digest and therefore cannot be through human intestines. Question: Filing Answer: Categorization of taxpayers used to determine deduction amounts and tax assessments. Each filer declares a filing status in their tax returns: married filing or separately, single, head of household , estates and trusts. Question: Financial Answer: Development and implementation of total, coordinated plans designed to achieve an individual's objectives. Question: intermediaries (Medicare Part A)Answer: Private companies contracted by the government to make determinations and process Medicare claims. Question: Fixed-amount settlement Answer: Provides the beneficiary a stated amount of income each mo. until life ins proceeds are exhausted. Each pmt consists of interest and partly of principal. The insurer guarantees a min. rate, but usually pays the rate actually earned on investments. Question: Fixed-amount Answer: product in which the $ amount of payout must be at least the amt of prem pd. If the annuitant dies before full receipt of amt the remainder is payable to a beneficiary. The annuitant receives pmt til death even after the guaranteed amt is pd. Question: -income securityAnswer: Investment that promises a amt of income either in form of periodic pmt or as a stated ending payout. B/c payouts are fixed these securities tend to be subject to interest rate risk & purchasing power risk. Question: Fixed-period Answer: Retirement product where # of pmts a recipient rcvs is guaranteed. If recipient dies b4 the guar # of distributed pmts the bal paid to bene. If the annuitant outlives the guaranteed period they will cont to rcv pmts death but no benefits to bene. Question: -period settlement optionAnswer: Retirement product stipulation that establishes a fixed period of time over which payments of life insurance policies are made to a beneficiary. Payment amounts vary on the payout term chosen. Question: Fixed-route and scheduled Answer: Services that transport seniors along an travel circuit with designated stops where riders can board and be dropped off. Question: Freedom-of-choice Answer: State statute that designates the next of kin to make arrangements. Question: Free Answer: Period of time during which an investor may review contract and agreement papers while reserving the option to or not commit to an investment or plan. Question: insuredAnswer: Having earned enough credits under Social Security. A fully insured person is eligible for survivor benefits for qualified spouse, child or depend parent; a death benefit pmt & retire benefits for , a spouse & child. Most need 40 credits to qualify Question: Functional Answer: Age as determined by what or actions a person is capable of. Question: Answer: conducted to honor a decedent whose body is present. Question: Funeral Answer: Individual licensed by the states to arrange or prearrange services. Question: Funeral Answer: Trade rule issued by the Federal Trade Commission requiring homes to disclose prices and prohibiting certain deceptive and unfair practices. Question: plotAnswer: Cemetary gravesite that has no above-ground . Question: Answer: Term that describes a burial casket that has seals and other features that retard the entrance of and protect against rust. Question: GatekeeperAnswer: In the context of home observation programs, a service person who visits a home and is trained to notice anything unusual or indication of need and report it to the local Area Agency on Aging. Question: General periodAnswer: Time span (Jan 1 - Mar 31 of each year) during which eligible seniors may sign up for . The effective date of coverage is the following July 1. Question: Generalized disorderAnswer: Medical condition that impairs daily functioning, in which the sufferer experiences worry or anxiety about multiple things. Question: Answer: Act of to one's legacy for future generations. Question: nurse practitioner (GNP)Answer: Nurses who have completed advanced clinical education (often master's degree level) that focuses on the health and disease issues faced by . Question: Answer: Medical doctors (MD) or osteopaths (DO) who have completed a -training program in geriatrics. Question: GeriatricsAnswer: Medical of aging. Question: Answer: Scientific study of the biological, psychological and social of aging. Question: Answer: Distinctive path toward age-connected spirituality that theorizes that srs are predisposed to consider the spiritual dimension, including a with the interconnection among generations, the relation between life & death & the mystery of life. Question: Gift Answer: Act of doubling tax exclusion amounts of $11,000 per person per year by each the exclusion, effectively allowing a couple to gift a total of $22,000. Question: GlaucomaAnswer: Elevated pressure within the eye that can in damage to the retina. Question: Glucose Answer: of the body to control blood sugar (glucose). Question: linerAnswer: Product used to limit ground settlement with in-ground . Liners are usually made of concrete. Question: Answer: Psycological response to the loss of a person or object. Question: incomeAnswer: Amt used as the starting point for calculating income taxes. It includes all inc from all sources - wages, commissions, tips, honoraria, int, div, net biz inc, rent, , gambling inc, and partnership inc. Question: Growth Answer: Human hormone that promotes physical growth through the complex interaction of several and growth factors. Question: Guaranteed Answer: of an insurance policy that unless its benefits have been exhausted it cant be cancelled by an ins co & must b renewed when expires. Under this condition the co cant change the coverage or refuse to renew coverage other than non-pmt. Question: GuardianAnswer: Court-appointed responsible for a minor or incompetent person. Question: HallucinationAnswer: perception believed to be real that occurs in the absence of adequate sensory experience. Question: Hands-on Answer: Physical help (minimal, moderate or maximal) without which an individual would not be able to perform one or more of daily living. Question: careAnswer: Treatment or procedure to diagnose or attempt to relieve or cure a condition. Question: Health care Answer: Individual in an advance directive to make health care decisions when the patient is incapacitated. Question: Health Insurance Portability and Act (HIPAA)Answer: Federal health insurance legislatin passed in 1996 that allows specified conditions long-term care insurance policies to be qualified for certain tax benefits. Question: maintenance orgniztion (HMO)Answer: Institution that provides comprehensive service benefits, with emphasis on preventative care. Care typically provided through physicans and facilities that contract with or are managed by the . Question: HeirAnswer: Person to inherit property under state intestacy statutes. Question: Answer: One sided weakness, though less dibilitating than . Question: Answer: Paralysis on one side of the body, a disability that results from stroke. Question: Hemorrhagic Answer: of a brain artery that spreads blood into the surrounding tissue. Question: High-density (HDL)Answer: "Good cholesterol" that appears to act as a kind of scouring agent, cleansing the of plaque. Question: Home and -based service (HCBS)Answer: Service that allows people of all ages who have limitations to remail independent in the lest restrictive setting possible and to be connected with their community. Question: Home and -based services waiverAnswer: Also caled 1915(c) waiver, that gives states flexibility to develop and implement creative alternatives to institutionalization. Question: Home health Answer: In-home services for nursing care or occupational, physical, respiratory or speech therapy. Also included are medical, socail worker, home health aide, and homemaker services. Home health care services may be temporary, or long-term. Question: HomeboundAnswer: in which a patient has a normal inability to leve home and leaving home requires a considerable and taxing effort. Question: servicesAnswer: Companies who assume duties required in a household when a homeowner or resident is unable to complete such duties themselves. Question: Answer: Living arrangement in which a rents out a room or rooms in exchange for either rent or a combination of compainionship, housework, yard work, grocery shopping, or rent. Question: Answer: Medical institution focused on meeting the physical, emotional and needs of those dying and their grieving families. Question: Answer: People who occupy a single housing unit. HH related family members & all unrelated people, if any, such as boarders, foster children, etc who live together. A person living alone or group of unrelated people living together is counted as a HH Question: Housing Answer: Apartment, house, trailer or any other designed for people to live in. Question: HyperosmolarityAnswer: Condition when the blood is concentrated w/ sodium, glucose & other molecules normally attract water into the bloodstream. When kidneys are conserving water, however this creates a vicious cycle of increasing blood-glucose levels & increasing . Question: Answer: high blood pressure Question: burialAnswer: Final dispostion in which the deceased is buried without or a funeral service with the body present. Question: ImpoverishmentAnswer: Outliving one's or assets. Question: (loss of capacity)Answer: Patient's inability, as determined by a physician, to make own health care decisions, caused by pain, medications, brain damage or an unconscious state. Question: Income cap Answer: States that set an income threshold for MEdicaid disability and deny applications based upon the existance of income that exceeds the . Question: IncontinenceAnswer: Inability to the release of urine and feces. Question: Indemnity Answer: Process of insurance benefits in which the benefit is a set dollar amount and is not based on a specific service received or on expenses incurred. The insurance company needs to decide only if you are eligible for benefits. Question: rolloverAnswer: Transfer of cash/property between tax-def retirement plans not limited to qualified plans or IRAs when owner takes temporary receipt of funds. The amt rolled over is tax-free & w/o penalty by the 60th day distribution. Subject to mandatory W/H. Question: Individual Answer: Investment product that provides pmts over the life of one individual. Question: Individual account (IRA)Answer: Investment plan that any individual with income can establish and fund. An individual may contribute no more than $3,000 in one year to an IRA and the contribution may be fully deductible, patially deductible or not deductible. Question: Answer: To treat or condescend a person as if they were a young child. Question: Answer: Death of brain Question: Answer: General increase in the level of prices within the economy due to the of the dollar (i.e. more dollars are required to buy a particular item). Question: protectionAnswer: Insurance policy option that provides for increases in benefit levels to help pay for expected in the costs of long-term care services. Question: InflowAnswer: Pertaining to the cash flow statement, the dollars, such as from salary, dividends, interest, rental income, alimony, child support or investment redemptions, received by an individual during a particular . Question: Informal networkAnswer: Group of people, composed of family members, friends and neighbors, who collecively care for who face chronic illness or disability. Question: Information Answer: Tax return that provides to the tax collector but does not compute the tax liability. Question: triageAnswer: Narrowing of information by the to a level or amount the conscious mind can handle Question: consentAnswer: Legal condition whereby a person can be said to have agreed or given consent to allow something to happen on a full appreciation and understanding of the facts and implications of the action. Question: enrollment periodAnswer: Span of time during which seniors who did not elect to take early retirement may enroll in Medicare. They have seven months to enroll, starting three months before the month of their 65th birthday. Question: abuseAnswer: Mistreatment of an older person living in a residential facility by people who have a legal or obligation to provide the elder victim with care and protection. Question: Institutionalized (IS)Answer: who lives in a nursing facility while the partner continues living at home. Question: activity of daily living (IADL)Answer: Activities needed for independent living, including using the telephone, food, shopping and handling finances. Question: InsuranceAnswer: Device by an individual can contract with another party to exchange a large, uncertain risk for a relatively small, certain premium. Question: Insidious Answer: Development of a disease in which the disease's is not apparent at the beginning. Question: settlement optionAnswer: Beneficiary's choice to leave life insurance proceeds with the insurer to accumulate interest at a guaranteed rate. MAny insurers pay interest above the guaranteed rate, with investment earnings. Question: IntermentAnswer: In-ground Question: InterdependenceAnswer: Mutual, reciprocal relationship between two or more people, people get their needs met better together than they would alone and can also increase the resources available to a person. Question: IntestateAnswer: in which a person dies without a valid will in place. Property in such cases is distributed in accordance with state law. Question: Answer: Mutual, exchange of , trust and confidence. Question: IntubationAnswer: Threading a tube to a patient's lungs to provide ventilation or mechanical . Question: Answer: Placing remains in an urn. Question: Invasive Answer: Cancer that progesses to invade surrounding . Question: beneficiary designationAnswer: of a beneficiary to a life insurance policy in which the policy owner does not retain the right to change the named beneficiary. Question: Irrevocable life insurance (ILIT)Answer: Institution that owns the life insurance policies of a person. It pays the premiums to keep the insurance in force, collects the death benefits when the insured dies and distributes the money according to the terms of the . Question: Ischemic Answer: Sudden block of an supplying the brain with blood that decreases or stops blood flow to the brain. Question: Itemized Answer: Specialized expenses that are totaled and then subtracted from the AGI in the tax process. Total itemized deductions are used in place of the standard deduction if the total itemized deduction amount exceeds the std. ded. amt for the taxpayer. Question: Joint and last survivor Answer: Annuity product option in which the annuity is paid over the lifetimes of more than one person. When the first annuitant dies, the annuity payments for the survivor continue, but are reduced by a quarter or half. Question: Joint survivorship life Answer: Life that covers more than one life. First-to-die life insurance pays benefits upon the death of the first of the two parties to die. Question: tenantsAnswer: Property that is simultaneously by more than one person. Question: Lawn Answer: Below-ground Question: Lean body Answer: Total of all parts of the body that are not body fat and are biologically active tissues (e.g. bones, vital organ tissue, nervous system) Question: Level of burden Answer: Scale that measures the challenges caregivers face. The index combines the number of ADL's and IADL's that require help, as well as the amount of time devoted to care . Question: Life Answer: Length of time that estimates the number of a person will live. Question: Life income Answer: Annuity product in which payments are distributed only until the annuitant dies. No benefits are payable to a . Question: Life income with period certain optionAnswer: Life ins option when pmts are guar for stated time (10-20 yrs) then if the annuitant is still alive, they cont. to rec pmts until death w/ no benefit for a bene. If the annuitant dies b4 the guar period is over, pmt cont to a bene until end or guar Question: Life Answer: Maximum length of time biologically possible for a species. Question: Life Answer: of physical and social attributes that define periods of a person's life such as adolescence, young adulthood, adulthood, middle age, later maturity and old age. Question: (life review)Answer: Activity in which participants recall key events and life altering or meaningful experiences that affected their lives. Question: Life-sustaining Answer: Medical treatment used to prolong life without reversing underlying medical conditions. This could medical ventilation, renal dialysis, chemotherapy, artificail nutrtion and hydration and other treatments. Question: reserve daysAnswer: Sixty days of coverage guaranteed to each Medicare beneficiary who has exhausted a standard benefit 's 90 inpatient days and remains hospitalized. Question: Answer: Combination of cholesterol and that circulates in the bloodstrem. Question: Living trust (inter trust)Answer: that is established during the life of the grantor. A revocable trust is a trust that can be changed or revoked at any time by the individual who established it. Question: willAnswer: Document by a competent person stating what health care measures should or should not be taken in terminal situations if the person is incompetent to make such decisions at that time. Question: Look-back Answer: Span of time beg. on the date of a Medicaid application going back 36 for transfers of money to an individual and 60 months for transfers to trusts. Transfers within the look-back period create a period of Medicaid ineligibility. Question: Long-term care (LTC)Answer: Coverage for various care expenses in the event the insured becomes incapacitated as defined in the poicy. Question: Long-term care Answer: Sometimes included as an attachment to life policies, provides coverage for various custodial care expenses in the event that the insured person becomes incapacitated as defined in the policy. Question: Low-density (LDL)Answer: "Bad cholesterol" that contributes to the development of heart disease by causing waxy, plaque buildup within the coronary arteries of the heart. Question: Lump-sum Answer: Retiremt plan with these 4 req: made in 1 tax yr, representative of the full bal to the participant's credit from all qualified plans of a single type; payable at death, attainment of age 59 1/2 or separation of serv & made from qualified plan. Question: degenerationAnswer: Deterioration of the tissue in the center of the retina (the macula) resulting in decreased central vision and reduced ability to see fine . Question: resonance imaging (MRI)Answer: using a nuclear magnetic resonance spectrometer to produce electronic images of spefic atoms and molecular structures in solids, especially human cells, tissues and organs. Question: depressive episodeAnswer: Period more than 2 wks a person feels sad or lost or enjoyment in life; & changes in appetite & sleep, agitation or retardation of movement, fatigue, feelings of worthlessness or guilt, attention & concentration problems or thoughts of suicide. Question: Major insuranceAnswer: Insurance that covers medical expenses incurred inside and outside of a hospital. It cost sharing devices (such as deductibles and coinsurance) and a relatively high maximum limit for covered expenses. Question: ManiaAnswer: Period of elevated or irritable mood, inflated self esteem, decresed need for sleep, extreme talkativeness, racing thoughs or shifting ideas, high distractability, increased activity or dangerous behavior that daily functioning. Question: Marginal tax Answer: Tax rate at which the last of income is taxed. Question: Married couple household with own Answer: Husband and wife living together with children by birth, adoption or marriage who are under the age of 18 and never . Question: Marital Answer: Tax deduction that allows for gifts to a spouse who is an AMerican citizen. Question: trustAnswer: Trust that mandates that the income of the trust be paid to the surviving . Question: Answer: Building containing for the burial of the dead. Question: -testedAnswer: Description of a program that is available to those who meet financial requirements such as . Question: MedicaidAnswer: Program that provides medical assistance for certain individuals and families who have low and resources. It is a jointly funded cooperative program between the federal and state governments. Question: Medical Answer: Delivery of health care under the supervision of and nurses. Question: needyAnswer: Definition of Medicaid applicants whose income levels are than others receiving assistance but who have medical bills in excess of their income. Question: Answer: Federal program providing hospital and medical insurance to ages 65 and older and to certain ill or disabled persons. Benefits for nursing home and home health services are limited. Question: Answer: Insurance sold by private companies that is intended to supplement coverage. Question: Answer: Hormone that appears to play a part in seasonal changes in the body and assists with sleep. Question: Member of a protected Answer: Individuals residing in a family home who qualify it as a non-countable resource in the Medicare application. The members include dependents, bro/sis w/ equity int in home & resided in home @ least 1 yr, or residing @ least 2yr caring for applicant. Question: Memorial Answer: Cemetary burials to garden plots or sites with no above-ground markers. Question: serviceAnswer: Ritual to honor the dead without the body present. Question: MemorializationAnswer: of a grave marker or memorial to honor the dead. Question: Mercy Answer: Intentional act of a health care provider or individual to take the life of a patient. This is a criminal offense, of the motivation. Question: MetabolismAnswer: Body's processes that build and destroy tissue and release energy, thereby generating heat. Question: Metastatic Answer: Cancer that to distant locations. Question: Mild cognitive (MCI)Answer: Subtle but measurable memory disorder. A person with MCI experiences memory problems greater than normally expected with aging, but they do not show other symptoms of dementia, such as impaired or reasoning. Question: Miller Answer: Certain trust that may be set up to create an to help an applicant qualify for Medicaid. Question: Minimum monthly needs allowance (MMMNA)Answer: Certain portion of an institutionalized spouse's income permitted to a community spouse to bring the community spouse's income up to the minimum monthly needs allowance. Question: Minimum distributionAnswer: AMount that must be withdrawn from a retirement account once a age is reached. Question: MoleculeAnswer: Smallest unit into which a can be divided. Question: Money market accountAnswer: Investment vehicle through savings & loan associations and banks. Earnings rates are determined by the institution and tend to be lower than rates for money market funds. Question: MourningAnswer: and cultural response to loss. Question: fundAnswer: Open-end investment tool that pools money of many investors and hires an investment to invest that money in order to achieve one or more financial objectives. Question: Net Answer: Residual value after are subtracted from assets. Net worth represents the amount that is owned by an individual or family if unencumbered by debt. Question: NeuroplasticityAnswer: Ability to learn new even into advanced age. Question: IRAAnswer: Individual retirement account in contributions are taxable as part of current income. Question: optionAnswer: Limited to permanent life insurance policies, the three standard non-forfeiture options are: lump-sum distribution of cash value, reduced paid-up and extended term insurance. Question: Nonparticipating life Answer: agreement in which excess premium payments (dividends) are not distributed to the policy owner. Question: policyAnswer: Insurance contract that cannot be cancelled nor have its changed by the insurance company. Question: householdAnswer: Person living alone, or two or more who live together but who are not related, such as roommates or boarders. Question: Normal retirement Answer: Age at which full Social Security old-age benefits are available or specified in documents. Question: home Answer: Specifically qualified facility with staff & equipment to provide round-the-clock skilled nursing care or rehabilitation services & related health services. Its occupants need at least some assistance w/ an avg of 3.8 activities of daily living. Question: Old-Age, , Disability, and Health Insurance (OASDHI) programAnswer: Protection for qualified participants and beneficiaries against losses associated with retirement, death, disabilty and illness. Question: Old-Age, Survivors and Insurance (OASDI) Answer: Technical name for the Social program. Question: ObsessionAnswer: Persistent thought, idea or image that is anxiety provoking and at initially, believed by an individual to be absurd. Question: -compulsive disorder (OCD)Answer: Mental condition defined by recurrent obsessions or compulsions that are severe enough to impair the individual's functioning. Question: therapistAnswer: Health professional who works with patients to improve their ability to perform activities of daily living and tasks in their work . Question: Answer: Aggregate of many different cells, held together by a structure, that performs a specfic function in the body. Question: Organizational Answer: Date from a person has 60 days to request review of coverage denial under a Medicare Advantage plan. Question: OsteoarthritisAnswer: Noninflammatory disorder of movable joints characterized by an imbalance between the synthesis and degradation of the articular cartilage, leading to the classic pathologic of wearing away and destruction of the cartilage. Question: Answer: Weakening of the bone structure as bone cell breakdown outpaces new bone cell . Question: Answer: or use of cash. Question: burial containerAnswer: Generic term used to describe grave and vaults. Question: Out-of-hospital do not (DNR) orderAnswer: 's order authorizing emergency medical services technicians to honor a DNR order. Patients may wear some form of identification, such as a bracelet to inform technicians of the DNR. Question: care (comfort care)Answer: End-of-life care focused not on curing a disease or condition, but on pain and physical symptoms, along with providing emotional and spiritual support. Question: attackAnswer: Limited period (usually several minutes) of intense fear that comes on , accompanied by multiple physical symptoms. Question: Parkinson's Answer: Progressive nervous disease, occuring most often after age 50, associated with the destruction of brain cells that dopamine. Characterized by muscular tremor, slowing of movement, partial facial paralysis, peculiarity of gait & posture & weakness. Question: Participating Answer: Type of insurance policy in which dividends (actually return of premiums that were excessive, given the insurer's actaul claims or level of expenses) may be paid to the policy owner. Question: policyAnswer: Type of policy that allows the insured to protect (keep) some assets if they apply for after using policy benefits. Question: Patient's best Answer: Guideline for use by proxy, or hospital ethics committees for determining health care decisions when a senior's treatment wished are unknown. Question: Self Determination Act (42 U.S.C. 1985cc(f) & 1396a(w)Answer: Federal legislation requiring institutional health care participating in the Medicare or Medicaid programs to inform patients of their right to complete advance directives. Question: Payable-on-death (POD) Answer: Savings account opened with a funeral director or cemetarian used to fund services, burial or cremation upon of the accountholder. Question: planAnswer: Qualified employee retirement plan. Defined benefit plan=provides retirement to employee, Defined contribution plan=provides for contributions from employees & an retirment benfit = to value of account balance at retirement. Question: Permanent life Answer: Policy that has cash value and is designed to be kept death. These contracts include: adjustable life, endowments, interst sensitive whole life, limited pay policies, universal life, variable life, variable universal life and whole life, Question: Perpetual Answer: Service and fund to a grave site forever. Question: Persistent stateAnswer: Condition that limite cognitive function, caused by injury to the cerebal . Question: emergency response system (PERS)Answer: Electronic device designed to let a user help in an emergency. Question: exemptionAnswer: Dollar amount that a taxpayer generally may deduct for each person supported by the income reported on the tax form. Exemptions are subject to -out (elimination) based on an excess Question: financial planningAnswer: Process of determining whether and how an individual can meet life goals the proper management of financial income and assets. Question: model (consumer-directed personal assistance services)Answer: Method of individual health care delivery in which a receives in-home services from personal assistants who are not supervised by medical professionals. Question: PhobiaAnswer: Extreme fear of a situation or object Question: Physical Answer: Health who provides services to help patients restore function, improve mobility, relieve pain and prevent physical disabilities. Question: Answer: of multiple prescription medications for seniors dealing with several chronic illnesses simultaneously. Question: of attorneyAnswer: Written document executed by one person who authorizes another person to act on his or her . Question: Planned Answer: Method of distributing assets that provides donors with addtl economic benefits for themselves or other beneficiaries. Planned giving incl the use of charitable gift annuities, inc trusts, char trust split int gifts & char family lmtd partnerships. Question: Planned senior apartment (independent )Answer: Housing designated for and designed with specific features for older people. Services offered can range from maintenance to housekeeping, meal plans, social activities, transportation and exercise rooms. Question: Posttraumatic disorder (PTSD)Answer: condition from traum event. May involve recurrent thoughts /nightmares /reliving event, great distress, avoiding thoughts of people involved, feeling distant, difficulty w/ emotions, irritability /trouble sleeping /concentrating /hyperawareness Question: Pour-over Answer: Provision of a will that instructs a court to transfer or pour over a dead 's probate assets into a trust, used if a senior has a trust and dies owning property that was not transferred to it. Question: Answer: Advance planning for a funeral or burial, sometimes structured with an agreement to deliver specific and services. Question: PrejudiceAnswer: Negative attitude toward a category or group of based not on current experience but on preconceived beliefs; favorable or unfavorable belief about the characteristics of a category or a group. Question: Answer: Funeral or cemetary purchase made before a . Question: Preneed Answer: Arrangement for a funeral or in advance of need. Question: Answer: The most common age-related hearing loss; a sensoineural by death of the hair cells in the inner ear. Question: Primary amount (PIA)Answer: payment to retired workers who begin receiving benefits at full retirement age of if they are disabled and have never received a retirement benefit reduced for age. Question: Private Answer: Transfer of property to an individual not regularly engaged in the issuance of annuities, in exchange for an unsecured of periodic lifetime payments. Question: Private Answer: Agreement for medical services between a patient and a provider who does not give services through Medicare. Assignment does not apply to private . Question: Answer: Legal process of abministrating and an estate after death. Question: agingAnswer: Concept of the older population w/ greater for employment, volunteering, caregiving. As the older pop has become healthier, more active & econ secure, productive aging emerges 2 contrdict negative views-frail, immobile, vulnerable, uncontributing Question: managed serviceAnswer: Care arrangement in which someone other than the makes the decisions about care and services. Question: Program of All-Inclusive Care for the (PACE)Answer: Health insurance that features a comprehensive medical and social service delivery system and integrated Medicare and Medicaid funding. Question: Programmed Answer: Hypothesis that aging follows a timetable. Question: PsychoticAnswer: Condition in which an individual exhibits symptoms of not being in with reality, primarily through hallucinations and delusions. Question: Pure life optionAnswer: Life insurance stipulation that pays proceeds over the lifetime of the beneficiary, with no benefits available to a second beneficiary if the first one dies. Question: QualitativeAnswer: Relating to or expressed in terms of quality. Qualitative research is based on , often subjective analysis. Question: QuantitativeAnswer: Relating to or involving the measurement of quantity or amount. Quantitative research is often objective and repeatable by separate researchers under similar conditions. Question: Quarter of Answer: Measurement used to determine worker's insured status & therefore, the amount and type of benefits available under Social Security. A worker is credited with 1 qtr of coverage, up to a max of 4 annually for each $500 of thru covered employment Question: therapyAnswer: Use of x-rays or gamma rays to kill tumor cells in difficult to reach locations. Radiation is also used to eliminate a tumor w/o destroying large of good tissue. Question: Reasonable and necessary Answer: Medicare rule used to categorize individual care decisions. Question: Answer: Giving and promising a valuable gift if in exchange for the purchases of an insurance or other investment. Question: paid-up insurance optionAnswer: Life insurance stipulation allowing a policyholder to take the cash value of a policy as paid-up but for a reduced face . Question: Refund life income optionAnswer: Life insurance option that provides the beneficiary with lifetime income with the guarantee that if the dies before receiving the full amount of the original life proceeds, the shortfall will paid to an alternate beneficiary. Question: Answer: Devoutness or devotion to religion. Question: Answer: Body of the deceased. (Cremains are remains of a body.) Question: Representative Answer: Individual or organization that Social Security or SSI payments on behalf of an individual who cannot manage or direct someone else to manage his or her money. Question: beginning date (RBD)Answer: For individual retirement accounts (IRAs), qualified plans, and section 403(b) , the date by which distributions must begin. Question: Required minimum Answer: annual required distribution amount for an IRS holder who reaches age 70 1/2. Question: Respite Answer: Occasional care provided by a third party for the purpose of relieving family caregivers for a period of a few hours to days. Question: beneficiary designationAnswer: Naming of a life insurance beneficiary in which the policy owner retains the to change the beneficiary. Question: Rheumatoid Answer: Chronic marked by stiffness and inflammation of the joints, weknessm loss of mobility and deformity. Question: RiderAnswer: Addition to an insurance policy that changes the provisions of the . Question: programAnswer: Service that arranges for seniors to be by volunteer drivers to specific destinations. Question: Right of Answer: Right inherent to some forms of property ownership that entitles surviving owners to to a deceased owner's interest in the property outside of probate. Question: Answer: of individual activity that occurs within a specific type of social situation. Question: RolloverAnswer: of funds from one retirement plan to another. Question: Roth Answer: Nondeductible IRA with several unique features: withdrawals are not if left in the acct for 5 yrs; the owner may continue to make contributions to the acct after they are 70 1/2; & there is no req. beg date for withdrawals. Question: Answer: Combination muscle loss and increased body fat that in overall weakening of the body. Question: SchizophreniaAnswer: Chronic and severely disabling disorder with symptoms of hallucinations and , disorganized speech and behavior and deficiency of motivation, emotional expression or speech. Question: Section 1115 waiverAnswer: rule that offers flexibility to states in delivering Medicaid long-term care services. Question: Self taxAnswer: security tax imposed on income earned by selfemployed individuals. Question: Self-neglectAnswer: Behavior of some older adults, such as refusing or to acquire adequate food, water, clothing, shelter, personal hygiene, medication or safety precautions, which threatens their health and safety. Question: Answer: Progressive deterioration of many bodily functions over a of time. Question: Separate Answer: Property that was acquired by either spouse b4 marriage or individual funds. Ownership of this belongs exclusively to the spouse that held it prior to marriage, inherited or received it or purchased it w/ individual funds. Question: Answer: in the blood or other tissues. Question: caregivingAnswer: Care giving in which each successive caregiver burns out and is by another person. Question: Serotonin inhibitorAnswer: that relieves symptoms of depression. Question: Skilled Answer: Daily nursing & rehab care performed only by or under the of skilled medical personnel. This care is usually needed 24 hrs/day, must be ordered by dr & must follow a plan of care. Indiv usually get skilled care in a nursing home or in other place. Question: gerontologyAnswer: of the social lives of older people. Question: Social Answer: fear of public or performance situations in which an individual may feel threatened or embarassed. Question: Social Answer: Government program that covers workers meeting certain past-service requirements & their qualified dependents are eligible for limited retirement, medical, disability & death benes. The program is funded thru a inc tax on covered workers. Question: Security Disability Income (SSDI)Answer: Benefit for disabled people under full retirement age who have enough Social Security credits and a severe medical that is expected to prevent them from doing substantial work for a yr or more or have condition that is to result in death. Question: supportAnswer: Network that provides with a sense of being loved, cared for, esteemed and valued. Question: Answer: Extended group of relationships that has a cultural and economic organization. Question: Special enrollment Answer: Time after an employer's health plan coverage ceases to be a person's primary insurance (usually at ) during which a senior may enroll in Medicare without penalty. Question: downAnswer: Expending assets in order to qualify for . Question: SpiritualityAnswer: Basic value around which all other values are focused; central philosophy of life that guides a person's conduct; supernatural and dimensions of human nature. Question: Stage of griefAnswer: of emotional progession through distinct stages in response to a traumatic event or loss. Question: deductionAnswer: Deduction from AGI that any may take, with the amount available being determined by the taxpayers filing status. The standard deduction is used in place of itemized deductions if the standard deducation exceeds the itemized ded amt available. Question: assistanceAnswer: Arrangement in which a caregiver stays close to an individual to watch over and provide physical if necessary. Question: State Health Insurance Counseling and Program (SHIP)Answer: Program with trained volunteers who offer unbiased, one-on-one counseling to help Medicare beneficiaries understand their health benefits and options. Question: Statement of financial position (balance )Answer: Declaration that identifies the assets, liabilities and net worth of an individual or . Question: insurance companyAnswer: For-profit insurer owned by . Question: Stop loss (upper )Answer: Maximum out-of-pocket . Question: Stretch-out Answer: Retirement account with a beneficiary who will keep money in a retirement account as long as possible after the death of the original account holder. Question: STUG (Sudden, Upsurge of Grief) reactionAnswer: Behavior seen in to a specific emotional event. Question: hemotomaAnswer: Collection of blood and blood breakdown products between the surface of the brain and its outermost covering (the dura) that even several weeks after an injury. Question: dependenceAnswer: Mental disorder surrounding abuse of specific medication or drug. Includes of tolerance for the substance; withdrawal symptoms; considerable time spent obtaining, consuming & recovering from use; desire/ unsuccess efforts to reduce amt or stop Question: assistanceAnswer: Hands-on or standby help required for a person to accomplish activities of living. Question: Substantial gainful (SGA)Answer: Income-producing work that provides enough money to make a ineligible for benefits. Question: Substituted Answer: An interpretive decision based on a patient's directive. Question: (bypass trust, family trust, credit shelter trust)Answer: Investment vehicle used to avoid the marital deduction & the estate tax coupon of the first spouse to die. A subtrust provides that the surviving spouse is primary beneficiary & may even provide that the surviving spouse is trustee of the subtrust. Question: SundowningAnswer: Behaviorial disorder associated with an increase in confusion and during evening hours. Question: Supplemental Income (SSI)Answer: Federal program funded by general tax revenues designed to help the aged, blind and disabled people who have little or no income & require help meeting basic needs for food, and shelter. Question: Systolic Answer: Measurement (the number of a blood pressure reading) of the pressure blood exerts on the arterial walls during heartbeats. Question: Task of griefAnswer: Concept of dealing with grief in which an individual has a of tasks to complete. The effort given to each task may increase or decrease in importance over the course of grief. Question: Tax Answer: $ for $ deduction that offsets calculated tax. Credits are allowed for the elderly & permanently & totaly disabled, & dependent care expenses, foriegn tax pd, exp for the construction & rehab of qualified low-inc housing & certain education expenses Question: Tax (or reduction)Answer: Technique that uses deductions, exemptions and credits to reduce otherwise taxable income or the tax itself or a technique that results in nontaxable or economic benefit that is not taxable. Question: incomeAnswer: Amount upon which the appropriate income tax is calculated. It consists of income after subtracting adjustments, deductions and personal . Question: Tax-deductibleAnswer: Term that describes expenses that may be from current taxable income. Question: Tax-deferredAnswer: Term that describes earnings or income not subject to federal income taxes until a later date. Regarding produced within an IRA, taxdeferred earnings are taxed only upon distribution to the account owner. Question: Tax-qualified long-term care policyAnswer: Policy that conforms to standards in law and offers certain federal tax advantages. Question: -based assisted housingAnswer: Program that makes it possible for low-income applicants to afford rental housing available in the private market. Question: Termlife (pure protection)Answer: Life insurance that providesprotection for a stated and pays benefits only if the insured dies within that period. Question: TestosteroneAnswer: Hormone primarily found in men, but also in women in small amounts. Although production of testosterone peaks in early adulthood, most men in age still produce amounts within normal limits. Question: ThermogenesisAnswer: Body's way of heat through shivering. Question: Answer: Hearing condition accompanied by some hearing loss, frequently referred to as ringing in the ears but often sounding more like buzzing, crickets, blowing, roaring or popping. Question: Answer: Group of cells that up a part of the body. Question: Answer: Getting to and from the toilet, getting on and off the toilet and performing the personal hygiene. Question: TrustAnswer: Simple agreement that makes a funeral director or cemeterian the beneficiary. The consumer is the owner and during life controls the account and pays taxes on any earnings. At death, the principal and earnings are paid to the funeral home/ cemetary. Question: funeralAnswer: End-of-life ceremony with a series of rituals and customs to honor the dead, embalming of the body, an open casket arrangments, services at a house of worship and an interment. Question: givingAnswer: Method of distributing assets when donor enjoys satisfaction of supporting worthwhile causes while recvig tax deduction. In addition to outright gifts, traditional giving may include leaving items to charity @ death or gifting life ins to charity Question: Traditional nuclear Answer: Living arrangement consisting of a husband and wife living together with children by birth or adoption only; with the as the sole breadwinner and the mother as a full-time mother. Question: Answer: Act of moving into and out of bed, chair or Question: ischemic attack (TIA)Answer: Mini-stroke caused by temporary disturbance of blood supply to an area of the , resulting in a sudden, brief decrease in brain function. It lasts less than 24 hours, most ofter lass than one hour. Question: griefAnswer: Syndrome w/ 2 clusters of symptoms: separation distress symptoms inc searching & yearning for deceased, having intrusive thoughts about deceased & experiencing loneliness since death & trauma symptoms similar to posttraumatic stress disorder. Question: Treasury Answer: Short-term obligation of the United States government that is issued at a discount & redeemed at face upon maturity. Income received upon maturity is not taxed at a state or local level. Question: Treasury Answer: Long-term obligation of the United States government. is paid semi-annually and is not taxed at a state or local level. Question: noteAnswer: Intermediate-term obligation of the States government. Interest is paid semi-annually and is not taxed at a state or local level. Question: TrustAnswer: Fiduciary arrangement set up by a whereby property is held and managed for a named beneficiary by a third party, known as a trustee. Question: TrusteeAnswer: Person or organization that holds legal title to property held in a trust. The trustee holds and manages the property for the benefit of the beneficiary or beneficiaries. Question: TwistingAnswer: Use of misleading term, jargon, language that is . Question: UnderwritingAnswer: Process of examining, accepting or rejecting insurance risks, then classifying those selected, in to charge the proper premium for each. Question: UrnAnswer: Container used to hold remains. Question: auditAnswer: Review used to understand what is when setting personal goals. Question: social roleAnswer: Position in society worthy of value. Question: Values Answer: Inquiry that can help prioritize what matters most to a . Question: annuityAnswer: Investment product in which the benefits paid out vary according to changes in the value of the supporting the annuity. Question: Vascular Answer: Step-like deterioration in intellectual functions that results from infarctions of the cerebral hemisphere. Question: depressionAnswer: Syndrome often experienced by people w/ vascular illness when they experience relatively little guilt or sadness, but have poor motivation or initiative, move very slowly & do not that what they are experiencing is related to a mental disorder Question: VaultAnswer: Structure used in lining a grave to limit settlement with in-ground burials. Vaults are normally made of -reinforced concrete and lined with metal or asphalt. Question: Answer: respiration Question: Answer: Funreal practice in which the lies in a casket and family and friends are allowed to view the embalmed remains. Question: capacity (VC)Answer: Amount of ait that can be in and breathed out rapidly in one very deep breath as a measurement of lung function. Question: VO2 max (maximum consumption)Answer: of the ability of the heart and cardiovascular system to respond to stress. Question: Waiver of Answer: Rule that applies when a senior did not know or could not be to know that Medicare would deny payment for lack of medical necessity. Question: Waiver of Answer: in an insurance policy that relieves the insured of paying the premiums while receiving benefits. Question: Whole life Answer: Insurance coverage that furnishes life insurance protection at a level premium amount for the insured's life and includes a savings element on which a minimum rate of return is guaranteed. Question: WillAnswer: Legal document that specifies how a wishes to distribute probate property and provides other instructions in the event of death. Question: Windfall provisionAnswer: Method of figuring retirement or disability benefits when a recipient receives a pension from work not covered by Social Security. The formula used to figure the benefit is modified, in a lower amount. Question: Zero Answer: Time for family members to consider how much each will to caregiving of the senior. |
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