CII CF8: Long Term Care Insurance Free Sample Paper: Local Authorities: Charging and Assessing Topic Preview

Q: Are these CII CF8: Long Term Care Insurance sample questions updated for 2026?

Yes, these free practice questions are continuously reviewed and updated to reflect the latest official syllabus changes and regulatory requirements for candidates in international markets.

Q: How similar is this sample paper to the real CII CF8: Long Term Care Insurance exam?

These questions preview the practice style available in the course, but they cover only Local Authorities: Charging and Assessing. This is not a full mock exam and the result cannot measure your overall exam readiness.

Q: What does my CII CF8: Long Term Care Insurance topic-preview score mean?

It reflects only your answers to 15 questions from Local Authorities: Charging and Assessing. Other syllabus areas are not tested here, so the score is not a pass or fail result and should not be used to predict your official exam performance.

Q: Can I retake this free topic preview?

Yes. You can retake these 15 questions, but repeated attempts cover the same single topic. The full course unlocks all 375 practice questions and broader mock-exam practice.

Question 1

How is capital normally valued for local authority assessment?

Accepted Answer

Market value less any costs of selling it, with 10% ignored

Answer

Market value without any deductions

Answer

Purchase price adjusted for inflation

Answer

Replacement value

Question 2

How is jointly owned capital, such as a joint bank account, typically treated in financial assessments?

Accepted Answer

It is treated as being owned equally

Answer

It is entirely allocated to the oldest joint owner

Answer

It is completely ignored in the assessment

Answer

It is treated proportionally based on contributions

Question 3

How is a discretionary trust treated in financial assessments for care funding?

Accepted Answer

Account can only be made of payments that are actually made

Answer

The entire capital is always treated as belonging to the individual

Answer

Discretionary trusts are always completely exempt from all assessments

Answer

The capital is divided equally among all potential beneficiaries

Question 4

Under what circumstances is an individual's main home disregarded for means-testing when entering permanent residential accommodation?

Accepted Answer

For the first twelve weeks of permanent admission

Answer

For the first year of permanent admission

Answer

Only if the individual is over State Pension age

Answer

It is never disregarded

Question 5

What is a key feature of a deferred payment agreement (DPA) arranged with a local authority?

Accepted Answer

The local authority will place a legal charge on the property

Answer

The local authority buys the property at market value

Answer

The individual's family must act as guarantors

Answer

It is only available for the first twelve weeks of care

Question 6

What is the current 2025/26 Tariff Income (England) limit?

Accepted Answer

£1 for every £250 or part thereof

Answer

£2 for every £250 or part thereof

Answer

£1 for every £250 above the limit

Answer

£1 for every £500 or part thereof

Question 7

A client is reviewing their long-term care options. How does Deprivation of Assets impact their overall financial plan?

Accepted Answer

It depends on the specific assessment criteria associated with Deprivation of Assets.

Answer

It requires the immediate sale of the primary residence.

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It only applies to individuals below State Pension Age.

Question 8

A client is reviewing their long-term care options. How does Local Authority assessment impact their overall financial plan?

Accepted Answer

It depends on the specific assessment criteria associated with Local Authority assessment.

Answer

It only applies to individuals below State Pension Age.

Answer

It requires the immediate sale of the primary residence.

Answer

It is universally applicable to all clients regardless of wealth.

Question 9

A client is reviewing their long-term care options. How does Deferred Payment Agreements (DPA) impact their overall financial plan?

Accepted Answer

It depends on the specific assessment criteria associated with Deferred Payment Agreements (DPA).

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It requires the immediate sale of the primary residence.

Answer

It only applies to individuals below State Pension Age.

Question 10

Which body is primarily responsible for the financial administration of Deprivation of Assets?

Accepted Answer

It depends on the specific assessment criteria associated with Deprivation of Assets.

Answer

It only applies to individuals below State Pension Age.

Answer

It requires the immediate sale of the primary residence.

Answer

It is universally applicable to all clients regardless of wealth.

Question 11

What is the key defining feature of Deprivation of Assets based on current regulations?

Accepted Answer

It depends on the specific assessment criteria associated with Deprivation of Assets.

Answer

It only applies to individuals below State Pension Age.

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It requires the immediate sale of the primary residence.

Question 12

Which body is primarily responsible for the financial administration of Local Authority assessment?

Accepted Answer

It depends on the specific assessment criteria associated with Local Authority assessment.

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It requires the immediate sale of the primary residence.

Answer

It only applies to individuals below State Pension Age.

Question 13

[Case Study 1: John (72) and Mary (70). John has progressing dementia and requires EMI care. Their house is worth £400,000, and they have £50,000 in joint savings.] Based on the case study: Which body is primarily responsible for the financial administration of Local Authority assessment?

Accepted Answer

It depends on the specific assessment criteria associated with Local Authority assessment.

Answer

It requires the immediate sale of the primary residence.

Answer

It only applies to individuals below State Pension Age.

Answer

It is universally applicable to all clients regardless of wealth.

Question 14

What is the key defining feature of Deferred Payment Agreements (DPA) based on current regulations?

Accepted Answer

It depends on the specific assessment criteria associated with Deferred Payment Agreements (DPA).

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It requires the immediate sale of the primary residence.

Answer

It only applies to individuals below State Pension Age.

Question 15

[Case Study 4: Robert (77) and Jane (75). Jane has moved into a residential care home. Robert remains in their £300,000 property.] Based on the case study: Which body is primarily responsible for the financial administration of Deprivation of Assets?

Accepted Answer

It depends on the specific assessment criteria associated with Deprivation of Assets.

Answer

It is universally applicable to all clients regardless of wealth.

Answer

It only applies to individuals below State Pension Age.

Answer

It requires the immediate sale of the primary residence.

CII CF8: Long Term Care Insurance Free Sample Paper & Practice Questions

How is capital normally valued for local authority assessment?

CII CF8: Long Term Care Insurance

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CII CF8: Long Term Care Insurance Free Sample Paper & Practice Questions

How is capital normally valued for local authority assessment?

CII CF8: Long Term Care Insurance

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