Disability & Long-Term CareQuestion 94 of 315
Which of the following is NOT one of the six activities of daily living (ADLs) used to trigger long-term care benefits?
a.Transferring
b.Eating
c.Driving
d.Bathing
Explanation
The six ADLs are bathing, dressing, eating, toileting, transferring, and continence. Driving is not an ADL. Inability to drive does not trigger LTC benefits because it is not an essential activity of self-care.
Law Reference: HIPAA tax-qualified LTC standard; Cal. Ins. Code §10232.8Practice all 315 questions free — no signup required.
Related questions on this topic
- 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?
- 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)?
- 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:
- Under the California Long-Term Care Insurance Reform Act, an applicant for an individual LTC policy has how many days to return the policy for a full refund of premium?
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · 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)