Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An insured with early-stage Alzheimer's can still bathe and dress independently. Which statement about LTC benefit triggers is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Long-term care policies have two independent benefit triggers: failure of a specified number of ADLs or severe cognitive impairment, such as that caused by Alzheimer's disease. A person with cognitive impairment who still performs ADLs may qualify based on the cognitive trigger alone, often requiring substantial supervision for safety. AH-V.1d explicitly names ADL failure and cognitive impairment/Alzheimer's as the dual trigger framework.
Why the other options are wrong
- A) Physical ADL failure is one trigger, not a precondition; the cognitive trigger stands on its own.
- B) Cognitive impairment is a recognized standalone trigger under the policy's dual-trigger design.
- C) Age has no role in the cognitive trigger; Alzheimer's can strike well before age 85.
Memory hook
Two doors to LTC benefits: ADL failure OR cognitive impairment — either one can open.