Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Most long-term care policies trigger benefits when the insured is unable to perform how many of the six standard activities of daily living?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The standard LTC benefit trigger is the inability to perform two of six activities of daily living — bathing, dressing, eating, toileting, transferring, and continence — or a severe cognitive impairment. Requiring two failures distinguishes genuine care needs from minor limitations. AH-V.1d tests the ADL/cognitive trigger framework, and the 'two of six' standard is the benchmark used by typical policies.
Why the other options are wrong
- A) One ADL failure is usually too lenient and is not the typical two-of-six standard.
- B) Five failures is far stricter than the common trigger and would delay most legitimate claims.
- D) Requiring all six failures would make the policy nearly unclaimable; the standard is two.
Memory hook
Two of six ADLs: bathe, dress, eat, toilet, transfer, continence — fail two and benefits flow.