Massachusetts Health & Accident Insurance Practice Exam

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Prepare for the Massachusetts Health and Accident Insurance Exam. Access flashcards, multiple choice questions, hints, and explanations. Be exam-ready!

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How long must care be provided for it to be considered Long-Term Care Insurance coverage?

30 days
60 days
90 days
120 days

The correct answer is: 90 days

Long-Term Care Insurance typically requires that the insured must need care for an extended duration, generally a minimum of 90 days, to qualify for benefits. This stipulation is in place to ensure that the coverage is utilized for genuine long-term care needs rather than for short-term or temporary care situations. The 90-day requirement reflects a standard set by many insurance policies to determine when a person's needs necessitate long-term support services, which can include assistance with activities of daily living (ADLs) such as bathing, dressing, or eating. By establishing a threshold of 90 days, insurers can ensure that they are providing coverage for significant health issues that impact an individual's ability to manage their daily life, making it a critical duration in the context of long-term care policies.