Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
What is the primary reason long-term care insurance is recommended to older clients?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Long-term care insurance exists to cover the custodial and skilled care expenses that Medicare and ordinary health insurance exclude, and to protect the client's savings from being spent down to meet Medi-Cal asset limits. It does not replace Medicare or guarantee facility admission. AH-V.1a frames the product around the Medicare/Medi-Cal coverage gap, so asset protection and uncovered care costs are the core selling points.
Why the other options are wrong
- A) LTC insurance pays care benefits; it does not subsidize or replace Medicare Part B premiums.
- B) No policy guarantees admission to a particular facility; LTC benefits pay for care but do not secure placement.
- D) Long-term care insurance is voluntary, not mandated by federal law for retirees.
Memory hook
LTC insurance = gap filler for Medicare's limits and a shield for assets against spend-down.