Massachusetts Health & Accident Insurance Practice Exam

What is one of the criteria for qualifying for Long-Term Care Insurance benefits?

1. Being under 50 years old

2. Having an acute illness

3. Being unable to perform two or more activities of daily living

4. Having Medicare Part B coverage

The correct answer is: Being unable to perform two or more activities of daily living

One of the key criteria for qualifying for Long-Term Care Insurance benefits is the inability to perform two or more activities of daily living (ADLs). Activities of daily living typically include essential tasks such as bathing, dressing, eating, toileting, transferring (moving from one position to another), and maintaining personal hygiene. When a person cannot carry out these activities independently, it usually indicates a need for assistance and care, which long-term care insurance is designed to provide. This criterion is a fundamental aspect of many long-term care insurance policies because it helps to assess an individual’s level of dependency and the necessity for ongoing care services. While age and specific health conditions can play a role in the overall context of care needs, they are not direct qualifiers for benefits under long-term care insurance. Similarly, Medicare Part B coverage pertains to different healthcare services and does not influence eligibility for long-term care insurance benefits.