Disability & Long-Term CareQuestion 660 of 716
In an LTC policy, choosing a longer elimination period will generally:
a.Extend the total benefit period
b.Eliminate the benefits entirely
c.Increase the premium, because the insurer must begin paying benefits much sooner after care starts
d.Lower the premium, because the insured self-funds care longer before benefits begin
Explanation
A longer elimination period means the insured pays out of pocket longer before benefits start, so the premium is lower. It does not remove benefits or lengthen the benefit period.
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Related questions on this topic
- A Social Insurance Supplement (SIS) rider on a disability policy pays benefits when the insured is:
- A cost-of-living adjustment (COLA) rider on a disability policy:
- Most disability income policies include a waiver of premium after the insured has been disabled for:
- A disability income policy described as 'occupational' coverage pays benefits for disabilities that occur:
- Workers compensation covers work-related injuries, so a 'nonoccupational' disability policy is designed to cover:
- Inflation protection in an LTC policy is important because:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)