CSA Certified Senior Advisor MCQ 3 — Questions and Answers
Question 1: What does the term 'Activities of Daily Living' (ADLs) refer to in senior care assessment?
- Recreational hobbies enjoyed by seniors
- Basic self-care tasks such as bathing, dressing, and eating (Correct answer)
- Financial management and bill-paying tasks
- Social and community participation activities
Correct answer: Basic self-care tasks such as bathing, dressing, and eating
ADLs are fundamental self-care tasks—bathing, dressing, toileting, transferring, continence, and eating—used to assess functional independence.
Question 2: A 78-year-old client has a durable power of attorney for finances. What does this document authorize?
- A named agent to make healthcare decisions on the client's behalf
- A named agent to manage financial affairs if the client becomes incapacitated (Correct answer)
- A court-appointed guardian to control all assets
- The client's physician to authorize financial transactions
Correct answer: A named agent to manage financial affairs if the client becomes incapacitated
A durable power of attorney for finances designates an agent to handle financial matters and remains effective even if the principal becomes incapacitated.
Question 3: Which type of long-term care setting provides 24-hour skilled nursing and medical care for individuals with complex health needs?
- Adult day service center
- Assisted living facility
- Skilled nursing facility (SNF) (Correct answer)
- Independent living community
Correct answer: Skilled nursing facility (SNF)
Skilled nursing facilities provide around-the-clock nursing care and are appropriate for individuals requiring medical monitoring or rehabilitation.
Question 4: What is the 'look-back period' associated with Medicaid long-term care eligibility?
- The 12 months prior to a Medicare claim
- The 60-month period Medicaid reviews for asset transfers below fair market value (Correct answer)
- The 36-month period before a nursing home admission
- The time Medicare covers skilled nursing before Medicaid kicks in
Correct answer: The 60-month period Medicaid reviews for asset transfers below fair market value
Medicaid reviews the 60 months (5 years) preceding a long-term care application for asset transfers that may indicate improper divestiture.
Question 5: Which psychological theory of aging suggests that successful aging involves maintaining activity levels and social roles?
- Disengagement theory
- Activity theory (Correct answer)
- Continuity theory
- Selective optimization with compensation (SOC)
Correct answer: Activity theory
Activity theory proposes that older adults remain satisfied when they maintain active engagement and replace lost roles with new ones.
Question 6: When discussing financial elder abuse, which of the following is an example of undue influence?
- A senior voluntarily updating their will after careful deliberation
- A caregiver pressuring a senior to change their will under threat of abandonment (Correct answer)
- An adult child receiving a gift from a parent with full cognitive capacity
- A senior selling a home at market value to a family member
Correct answer: A caregiver pressuring a senior to change their will under threat of abandonment
Undue influence occurs when someone uses their position of power or trust to overcome a senior's free will, such as threatening abandonment to coerce estate changes.
Question 7: Which Social Security filing strategy allows a lower-earning spouse to receive a spousal benefit while the higher earner's benefit grows?
- File and suspend
- Delayed retirement credits
- Restricted application for spousal benefits (Correct answer)
- Coordinated benefit election
Correct answer: Restricted application for spousal benefits
A restricted application allows an eligible spouse to claim only the spousal benefit while deferring their own retirement benefit to earn delayed retirement credits, though this is now limited to those born before January 2, 1954.
CSA Certified Senior Advisor MCQ 3
What does the term 'Activities of Daily Living' (ADLs) refer to in senior care assessment?