Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
How is group long-term care insurance typically issued?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Group long-term care coverage follows the standard group structure: the employer or association holds the master policy and each covered member receives a certificate summarizing coverage. This mirrors group life and health mechanics. AH-V.1f lists individual and group as the two basic LTC coverage forms, and the master policy/certificate structure is the defining group feature.
Why the other options are wrong
- A) Group coverage is not a stack of individual policies; one master contract covers the group.
- B) Rider-based coverage is a separate distribution channel, not the group master-contract model.
- C) Medicare does not issue group LTC policies; this is a private insurance product.
Memory hook
Group LTC = one master policy for the employer, certificates for the members.