Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which of the following would NOT, by itself, typically trigger long-term care benefits?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Driving and managing finances are instrumental activities of daily living (IADLs) — higher-level tasks that are not the standard benefit trigger. LTC policies trigger on basic ADL failure or severe cognitive impairment, not on IADL limitations alone. AH-V.1d tests the trigger framework, and distinguishing IADLs from qualifying ADL/cognitive triggers is a core exam point.
Why the other options are wrong
- A) Failing two basic ADLs is the classic qualifying trigger, so it would start benefits.
- B) A certified severe cognitive impairment is a qualifying trigger by itself.
- D) Alzheimer's with substantial supervision need qualifies under the cognitive impairment trigger.
Memory hook
IADLs like driving are 'nice-to-manage,' not triggers — only ADL failure and cognitive impairment open benefits.