Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In a long-term care policy, the elimination period is best described as which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
The elimination period is a time-based deductible unique to disability and long-term care products: benefits begin only after the insured has personally paid for covered care for the specified number of days. It is not a policy-issue delay, a premium due date, or an appeal window. AH-II.1 lists the elimination period among the core A&H terms candidates must know.
Why the other options are wrong
- A) The application-to-issue interval is administrative processing time, not an elimination period.
- C) Premium payment timing is a grace-period concept, unrelated to the elimination period.
- D) Appeal windows are governed by claims procedures, not the elimination period.
Memory hook
Elimination period = your out-of-pocket countdown days before the insurer starts paying.