In which of the following ways does skilled nursing care differ from intermediate nursing care?

a. Skilled care is normally given in a nursing or convalescent home, and intermediate care is usually given at home.

b. Skilled care is performed by skilled medical personnel; intermediate care does not require medical training.

c. Skilled care must be available 24 hours daily; intermediate care is available daily, but not on a 24-hour basis.

d. Skilled care includes rehabilitation services; intermediate care meets daily personal needs like bathing.

Answer: c. Skilled care must be available 24 hours daily; intermediate care is available daily, but not on a 24-hour basis.

Pre-Licensing Insurance

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An insured's building has an actual cash value of $200,000, and he has insured the property for $120,000 with an 80% coinsurance clause. A $40,000 loss occurs. How much will the policy pay?

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