CSA Practice Questions (2026) — Free Sample Questions with Answers

Answer: C

Ask the son to step out so Mr. Ito can speak more freely: Reasonable if coercion were suspected, but there are no such signs; doing it first may override a cultural preference he holds.

Direct the remaining questions to the son, who seems to handle family matters: Assumes the son is the decision-maker without asking Mr. Ito, bypassing the client.

Ask Mr. Ito how he prefers decisions to be made and whom he wants involved: Correct. Family-centered decision-making may reflect his cultural values; asking him directly respects both his culture and his autonomy before any assumption is made.

Note that he is withholding information and schedule a second intake: Misreads a cultural communication style as evasiveness.

Interpret behavior in cultural context and ask the client how he wants decisions made before changing the process.

Answer: A

"It sounds like handling the bills alone feels overwhelming since Frank's death.": Correct. Reflecting both the content and the feeling shows she has been heard and invites her to say more.

"Many widows find a daily money manager very helpful.": Jumps to a solution before understanding her concern.

"Don't worry, I'll make sure everything gets taken care of.": False reassurance that also overpromises what the CSA can do.

"About how much are your monthly bills right now?": Moves to facts and skips the feeling she expressed.

Active listening reflects content and feeling before problem-solving.

Answer: B

Use a weekly pill organizer so she takes each dose on schedule: Good practice, wrong priority: it organizes the products without checking whether they cause her dizziness.

Have her doctor or pharmacist review every product she takes: Correct. Eleven products from three prescribers plus new dizziness call for a full brown-bag review of everything she takes.

Call the doctor she sees most often to ask about the dizziness: Partial: one prescriber may not know what the other two prescribed or what she buys over the counter.

Fill all of her prescriptions at one pharmacy from now on: Helpful going forward, but it does not review the current combination that may be causing dizziness.

Polypharmacy with new symptoms calls for a full review of every prescription and nonprescription product with a doctor or pharmacist.

Answer: D

Send a smaller amount first to see whether the story is true: Any payment confirms she is a target and the money is unlikely to be recovered.

Ask the caller questions only her real grandson could answer: Second best: scammers often mine social media for such details, and staying on the line keeps the pressure on her.

Call back the number the caller gave to confirm the details: That number is controlled by the scammer.

Hang up and call her grandson or his parents at a known number: Correct. Independently verifying through a known number defeats the impersonation, and the secrecy, urgency and gift-card payment are classic scam signs.

Urgency, secrecy and gift-card payment are red flags; verify independently using contact information you already have.

Answer: B

The gift is exempt because it was made more than 36 months ago: Uses the old 36-month look-back that applied before the 2005 change.

The gift falls within the 60-month look-back and may delay eligibility: Correct. Transfers for less than fair market value within the 60-month look-back can trigger a Medicaid penalty period, which an elder law attorney can evaluate.

The gift is ignored by Medicaid because it was a one-time gift to a family member: Gifts to relatives are still transfers; there is no family exception for grandchildren.

The gift will help her qualify because it lowered her countable assets: Misses the look-back entirely: the transfer is counted against her.

Medicaid looks back 60 months at transfers; gifts in that window can delay eligibility, so an elder law attorney should review them.

Answer: C

The house will still be divided equally among all three because her will controls: Wrong: survivorship title overrides the will for that asset.

Joint title will shield the house from Nadine's own creditors: The reverse is true: adding a co-owner can expose the house to that co-owner's creditors.

At her death the house would go to Nadine alone, outside the will: Correct. Survivorship title passes the house automatically to the surviving joint owner, defeating her goal of equal shares; the CSA raises this and suggests she review the plan with an estate attorney.

She can remove Nadine from the title on her own at any time: Once Nadine is an owner, removing her generally requires Nadine's consent.

JTWROS avoids probate, but the asset goes only to the surviving owner, can expose it to that owner's creditors, and is hard to undo.

Answer: B

She is paid only through commissions on the products she sells: Confuses a compensation method with a legal duty; commissions can actually create conflicts.

She must put the client's interests ahead of her own when giving advice: Correct. A fiduciary duty requires acting in the client's best interest, including managing or disclosing conflicts of interest.

She only has to recommend products that are suitable for the client's profile: Describes the lower suitability standard, the neighbouring concept.

She charges a percentage of the assets she manages for the client: Describes an assets-under-management fee, not the duty owed to the client.

Fiduciary = client's best interest first; suitability = merely appropriate for the client's profile. How an advisor is paid is a separate question.

Answer: A

Palliative care: Correct. Palliative care relieves symptoms at any stage and can be given alongside disease-directed treatment such as the new medication.

Hospice care: Near-sibling: hospice requires choosing comfort care in place of treatment aimed at the terminal illness, and she wants to try a disease-slowing drug.

Medicare home health nursing visits: Wrong fit: home health requires being homebound with a skilled need, neither of which is stated, and it is not a symptom-focused care model.

A geriatric care manager to coordinate her treatment: Helpful for coordination but not a form of symptom care.

Palliative care can accompany disease-directed treatment at any stage; hospice is comfort-focused care that replaces such treatment.

Answer: C

An independent living apartment: Offers no supervision, so it does not address her wandering.

An assisted living community with staff on site 24 hours: Near-miss: round-the-clock staff do not prevent exit-seeking without a secured setting.

A secured memory care unit: Correct. Memory care offers secured exits and staff trained in dementia care, which fits a physically able person who wanders.

A skilled nursing facility: Provides 24-hour skilled nursing she does not need; her main need is dementia-specific supervision.

Memory care fits dementia with wandering in a physically able person; a nursing home is for people who need ongoing skilled nursing care.

Answer: A

Funeral homes must give itemized price lists and let him buy only the goods and services he chooses: Correct. The FTC Funeral Rule requires an itemized General Price List and lets consumers choose only the goods and services they want.

Funeral homes may refuse a casket bought elsewhere or charge a fee to handle it: The Funeral Rule forbids refusing an outside casket or charging a handling fee for it.

Funeral homes need to quote prices by phone only after he signs a contract: Inaccurate: the Funeral Rule requires price information by phone to anyone who asks.

The Funeral Rule caps what funeral homes may charge for basic services: Inaccurate: the Rule requires price disclosure and choice; it does not set or cap prices.

The FTC Funeral Rule gives consumers itemized prices and the right to choose (and to supply their own casket).

Answer: C

Stop accepting the payments, since the Code prohibits referral fees: The Code requires disclosure of these relationships; it does not ban every referral payment.

Disclose the payment only if the client asks how he is compensated: Disclosure is required proactively, not only on request.

Disclose the payment relationship to the client when making the referral: Correct. Rule 401 requires disclosure of conflicts, including fee or reimbursement relationships with communities or providers a client is referred to.

Recommend only communities that do not pay him, to avoid any conflict: Avoids the conflict but may withhold a good option; the Code's requirement is disclosure.

Rule 401: disclose ownership interests and referral-fee relationships before the client relies on a referral.