Personal Care Services
Hands-on help with ADLs such as bathing and dressing, delivered by aides at home or in facilities.
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Practice This Concept
A California agent is selling a life policy with an accelerated death benefit for chronic illness. Under California law, the agent must:
Disclose to the client how the accelerated death benefit differs from a long-term care insurance policy — California law (CIC Section 10295 et seq. and Section 10234.93) requires an agent who sells a life insurance accelerated death benefit for chronic illness to disclose how it differs from a long-term care (LTC) insurance policy. The two products differ in benefit triggers, benefit types, and purpose; accelerated benefits are typically a lump sum or limited benefit drawn from the death benefit, while LTC insurance provides a structured daily benefit for care services.
CA-specific example
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