Under most long-term care policies, benefits become payable when the insured:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Long-term care policies typically trigger benefits on a functional or cognitive basis: the insured must be unable to perform a stated number of activities of daily living (ADLs), commonly two of six, including bathing, dressing, eating, toileting, transferring, and continence, or must have a severe cognitive impairment such as Alzheimer's disease. The ADL requirement ties benefits to genuine care needs rather than to age or diagnosis. This trigger is central to tax-qualified LTC policies under IRC Section 7702B, which requires the same functional standards for favorable tax treatment.
Why the other options are wrong
- B) Reaching age 65 alone does not trigger benefits; a care need measured by ADLs or cognition is required, so age is not the trigger. LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。
- C) Diagnosis alone is insufficient; the insured must also demonstrate the functional inability the policy requires before benefits begin. 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。
- D) A hospital stay is an acute care event, not a long-term care trigger; LTC addresses chronic needs that follow discharge, not the overnight stay itself. 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。 LTC 产品的承保对象、触发条件与销售义务均有专门规定。 长期护理保险的考查重点在于保障触发条件、监管培训与销售合规要求。
Memory hook
Two of six ADLs or a fading mind = LTC checks arrive. Age and diagnosis alone do not open the vault.