Khuyết tật & Chăm sóc dài hạnCâu 660 / 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
Giải thích
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.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)