These 50 question was answered by other tutor. But I only got 17 out of 60. I was so upset about this score. question didn't show me the correct answer or incorrect answer. I only have that tutor answer proved to me.

 

Question 1 1 pts

The number of individuals aged 65 and over in the U.S. is expected to double as population aging continues.

True

False

 

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Question 2 1 pts

High level of immigration contributed greatly to the aging of the US population.

True

False

 

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Question 3 1 pts

The proportion of Hispanics in the US population is expected to increase in the next 40 years.

True

False

 

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Question 4 1 pts

The government health coverage program for the elderly and certain people with disabilities is called Medicaid.

True

False

 

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Question 51 pts

The Affordable Care Act will make every American insured when fully implemented.

True

False

 

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Question 6 1 pts

The U.S. health care system is administratively controlled by an agency of the government.

True

False

 

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Question 7 1 pts

There are only two general ways to reduce health care costs: either reduce the amount of services consumed or reduce the unit price of some or all of the services provided.

True

False

 

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Question 8 1 pts

People buy health insurance so that they can protect themselves against major financial risk associated with getting sick.

True

False

 

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Question 9 1 pts

Insurance premium is the amount paid by the insurer to the insured for assuming the finanical risk associated with needing health care.

True

False

 

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Question 10 1 pts

In terms of premium determination for health insurance, Obamacare prohibits the use of experience rating.

True

False

 

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Question 11 1 pts

Copayment and coinsurance are essentially the same thing.

True

False

 

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Question 12 1 pts

Veteran's Health Administration is a form of publicly financed health care for veterans.

True

False

 

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Question 13 1 pts

Social Security (Old-Age Insurance) originally established in 1935 does not include coverage for widows and spouses.

True

False

 

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Question 14 1 pts

The current normal retirement age for social security is 65 years.

True

False

 

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Question 15 1 pts

Losing his job in the Great Depression, Dr. Frances Townsend advocated for a government pension program that would provide a pension of $200 per month, to every retired citizen age 60 and older, to be spent within 30 days. This created a movement toward a government program for retirees, which eventually helped gaining potilical support for the Social Security program.

True

False

 

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Question 16 1 pts

Divored individuals can get spousal social security benefit if they were married long enough.

True

False

 

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Question 17 1 pts

Medicare was signed into law in 1965 by President Lyndon B. Johnson.

True

False

 

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Question 18 1 pts

Individuals who are low wage earners receive a higher percentage of their pre-retirement earnings in Social Security than high wage earners.

True

False

 

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Question 19 1 pts

Vesting periods refer to the length of time an employee must work to accrue non-forfeitable rights to a pension.

True

False

 

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Question 20 1 pts

The Defined Benefit retirement plan is the best type of plan for individuals who like to change employers.

True

False

 

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Question 21 1 pts

The Pension Benefit Guaranty Corporation is the federal entity which guarantees that all vested employees receive their full retirement benefits if a company goes bankrupt.

True

False

 

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Question 22 1 pts

Most public sector pension plans in the U.S. are Defined Contribution plans.

True

False

 

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Question 23 1 pts

ETFs are generally actively managed by mutual fund managers.

True

False

 

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Question 24 1 pts

Delayed Retirement Credit (DRC) creates incentive for retirees to continue working.

True

False

 

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Question 25 1 pts

Workers with the fewest projected retirement resources who may have the greatest need to work into retirement years maybe in poorer health due to their concentration in lower-wage, more physically demanding jobs during their early employment years.

True

False

 

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Question 26 1 pts

In Hans Rosling's "200 years that changed the world" video, which one of the following is NOT true?

There has been a major increase in life expectancy during the past 200 years.

None of the above.

The world average life expectancy used to be 40 years in 1809.

The are still wide disparities in terms of life expectancy and per capita income.

 

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Question 27 1 pts

Which one of the following is NOT among the top 3 cause of death in the US (2014)?

Diabetes.

Cancer.

Heart disease.

Lower respiratory disease.

 

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Question 28 1 pts

The primary objectives of a healthcare system include all of the following EXCEPT:

Delivering healthcare services that meet established standards of quality

Enabling all citizens to receive healthcare services

Delivering healthcare services using the most current technology, regardless of cost

Delivering healthcare services that are cost-effective

 

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Question 29 1 pts

The U.S. healthcare system can best be described as:

Fragmented

All of the above

Expensive

Market-oriented

 

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Question 30 1 pts

The primary functions of managed care include all of the following EXCEPT:

Controlling patients' utilization of services

Setting prices at which providers are paid

Achieving efficiencies

Improving quality

 

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Question 31 1 pts

The role of the government in the U.S. healthcare system is:

Major financer

All of the above

Medicare and Medicaid reimbursement rate-setter

Regulator

 

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Question 32 1 pts

Which country spends the most in administrative health care costs?

Australia

UK

Germany

United States

 

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Question 33 1 pts

What is the meaning of the term 'Access'?

Availability of services

Ability to get health care when needed

All citizens have health insurance coverage

Employer-based health insurance

 

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Question 341 pts

The Affordable Care Act (Obamacare) changed which one of the following?

Mandated employees to buy health insurance

None of the above.

Added prescription drug benefit for older adults.

Provided a universal coverage for all citizens

 

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Question 35 1 pts

Which one of the following statements about health care finanicing is NOT true?

Financing affects expenditures.

None of the above.

Financing influences management decisions.

Financing influences supply of health services.

 

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Question 36 1 pts

The worker-beneficiary ratio for Social Security is expected to reach _____ by 2030.

5

2

4

3

 

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Question 37 1 pts

The challenges of population aging on social programs is driven by the following demographic trends EXCEPT?

Rising costs associated with financing health care for Baby Boomers

Dramatic decline in the average age of retirement

Long term declines in fertility rates

Sharply increasing absolute numbers of older persons who will be eligible for Old-Age programs

 

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Question 38 1 pts

Which one of the following is NOT traditionally considered as pillars of retirement income?

Social security

Wages/earnings

Savings

Pension

 

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Question 39 1 pts

Which one of the following best describes how pension benefits are determined?

length of service

amount of earnings

both a & b

none of the above

 

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Question 40 1 pts

Baby Boomers were born during which of the following time periods?

1946-1964

1942-1964

1946-1966

1948-1966

 

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Question 41 1 pts

Priscilla and John has been married for 12 years. They are both in their mid-60s. John has been an executive at Verizon for 20 years and is scheduled to retire next month. Based on his past earnings and work history, John will receive $2,400 per month in Social Security benefits. The couple is in the process of finalizing their divorce and it is anticipated that the divorce will be final prior to John's retirement. Based solely off of John's earnings, what is Priscilla's Social Security monthly entitlement?

$2400

$1000

none of the above

$1200

 

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Question 42 1 pts

Which of these is NOT an Instrumental Activity of Daily Living (IADL)?

Grocery shopping

Managing medications

Preparing meals

Walking

 

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Question 43 1 pts

The Employee Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans. Which of the following is NOT a provision of ERISA?

Stronger pension plan disclosure

Strengthening funding and fiduciary standards

Spousal benefit

Mandatory pension promise

 

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Question 44 1 pts

Older adults become more susceptible to get the flu or suffer from pollution as a result of a decline in which of the body systems?

Circulatory system

Nervous system

Digestive system

Respiratory system

 

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Question 45 1 pts

Defined Contribution plans are ____________________.

usually adequate to finance retirement

decreasing in use

not portable before vesting.

tax-deferred

 

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Question 46 1 pts

What is the earliest age you can begin receiving Social Security retirement benefits?

62

66

60

65

 

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Question 47 1 pts

Which of the following is NOT a characteristic that affects population composition?

Immigration

Mortality

Morbidity

Fertility

 

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Question 48 1 pts

The reason age 65 was selected as the appropriate retirement age in the 1930's was ________.

workers' productivity slows substantially around 65

Otto von Bismark (who invented Social Security) was 65

the average life expectancy was around 65

prolonged illnesses become more apparent around 65

 

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Question 49 1 pts

Who receives the greatest portion of Social Security benefits?

Retirees

Widow(er)s

Spouses

Disabled workers

 

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Question 50 1 pts

In the video "Retirement Gamble", which of the following were cited as the main reason many workers were taken advantage of by the mutual fund industry?

lack of choices

gender discrimination

risky investments

hidden fees

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