Disability & Long-Term CareQuestion 92 of 315
Which of the following is generally covered by long-term care insurance but NOT by standard health insurance or Medicare?
a.Extended custodial care in a nursing home for a person who cannot bathe or dress alone
b.An emergency-room visit after a car accident
c.A hospital stay for treatment of pneumonia
d.Outpatient surgery to remove an appendix
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)Practice all 315 questions free — no signup required.
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