State RegulationsFL specificDifficulty 3/5
A Florida LTC policyowner suffers severe cognitive impairment from dementia but can still bathe, dress, and feed herself independently. How can long-term care benefits nevertheless be triggered in her case?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Florida's LTC policy standards in Chapter 627, Florida Statutes, long-term care benefit provisions recognize two core triggers: the inability to perform a specified number of activities of daily living and severe cognitive impairment, such as dementia, that jeopardizes the insured's health and safety and requires substantial supervision. Because cognitive impairment is an independent trigger, an insured who can still bathe and dress may nonetheless qualify for benefits if the impairment meets the policy's standard.
Why the other options are wrong
- B) ADL loss is not the exclusive trigger; severe cognitive impairment independently qualifies an insured for LTC benefits.
- C) Institutionalization is not a universal precondition, and Florida policy standards limit when prior stays may be required.
- D) No separate rider purchase is required; cognitive impairment is a standard built-in trigger alongside ADL loss.
Memory hook
Two triggers: a failing body or a failing mind.