伤残与长期护理第 660 / 716 题
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
解析
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.
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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)