CARD Q088
Which situation commonly satisfies a benefit trigger in tax-qualified long-term care insurance, assuming required certification and other conditions?
- An inability to perform two ADLs expected to last only 30 days, without cognitive impairment
- An inability to perform one ADL for 90 days, without cognitive impairment
- Age 65 alone, without functional or cognitive impairment
- Inability to perform at least two ADLs expected to last at least 90 days
Inability to perform at least two ADLs expected to last at least 90 days
A common trigger is substantial assistance with at least two ADLs. Severe cognitive impairment requiring substantial supervision is another route.
Why each choice is right or wrong
A. An inability to perform two ADLs expected to last only 30 days, without cognitive impairment
Incorrect. The stated functional impairment is not expected to last the required 90 days.
B. An inability to perform one ADL for 90 days, without cognitive impairment
Incorrect. One ADL alone does not meet the stated two-ADL functional trigger.
C. Age 65 alone, without functional or cognitive impairment
Incorrect. Age alone is not a qualifying care trigger.
D. Inability to perform at least two ADLs expected to last at least 90 days
Correct. A common trigger is substantial assistance with at least two ADLs. Severe cognitive impairment requiring substantial supervision is another route.
Review the related terms
Use these lessons to revisit the concepts and try additional practice questions.