Disability & Long-Term CareQuestion 93 of 315
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)?
a.1 of 6
b.2 of 6
c.3 of 6
d.All 6 of 6
Explanation
The HIPAA standard, used by tax-qualified LTC policies and California's LTC framework, triggers benefits when the insured cannot perform at least 2 of the 6 ADLs (bathing, dressing, eating, toileting, transferring, continence) without substantial assistance for an expected period of at least 90 days. Severe cognitive impairment is a separate, independent trigger.
Law Reference: HIPAA tax-qualified LTC standard; Cal. Ins. Code §10232.8Practice all 315 questions free — no signup required.
Related questions on this topic
- 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?
- Which of the following is generally covered by long-term care insurance but NOT by standard health insurance or Medicare?
- 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?
- A long-term care policy that pays a flat $200 daily amount whenever benefits are triggered, regardless of the actual cost of care, is BEST described as:
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Life & Health Insurance License Exam · How we review