Disability & Long-Term CareQuestion 92 of 716
Which of the following is generally covered by long-term care insurance but NOT by standard health insurance or Medicare?
a.An emergency-room visit and trauma imaging workup immediately after a serious car accident
b.Extended custodial care in a nursing home for a person who cannot bathe or dress alone
c.Outpatient surgery in a hospital day-surgery unit to remove an acutely inflamed appendix
d.A short inpatient hospital stay with IV antibiotics to treat bacterial pneumonia
Explanation
Long-term care insurance is built specifically for extended custodial care, the help with daily living that health insurance and Medicare do not cover beyond a brief skilled-nursing window. The other listed services are acute medical care covered by health insurance.
Law Reference: Cal. Ins. Code §10231 (LTC Reform Act)This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
- Which disability product is designed to reimburse a disabled small-business owner for fixed expenses such as rent, utilities, and employee salaries?
- Two partners in a business each own 50 percent. Which type of insurance is designed to fund the buy-sell agreement if one partner becomes permanently disabled?
- Which rider on a disability income policy raises the monthly benefit during a long claim to keep pace with inflation?
- Under a tax-qualified long-term care policy, an insured normally becomes eligible for benefits when they are unable to perform without substantial assistance how many of the six activities of daily living (ADLs)?
- Which of the following is NOT one of the six activities of daily living (ADLs) used to trigger long-term care benefits?
- An insured has advanced Alzheimer's disease and can still physically perform all six activities of daily living without assistance. Are they eligible for benefits under a tax-qualified long-term care policy?
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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)