Arizona Health Insurance Practice Exam

Long-term care benefits are typically contingent on what aspect of an individual?

1. Medical coverage

2. Personal savings

3. Daily living capabilities

4. Age of policyholder

The correct answer is: Daily living capabilities

Long-term care benefits are generally contingent on an individual's daily living capabilities. This means that eligibility for these benefits often hinges on the person's ability to perform essential activities of daily living (ADLs), such as bathing, dressing, eating, toileting, transferring, and continence. If someone is unable to carry out a certain number of these activities due to illness, injury, or cognitive impairment, they may qualify for long-term care services that assist them in maintaining a basic level of independence and support. While factors such as medical coverage, personal savings, and the age of the policyholder can influence a person's overall financial planning and decision-making regarding long-term care, they do not directly determine eligibility for long-term care benefits. Instead, the focus is on assessing the individual's functional capabilities and their need for assistance, which makes daily living capabilities the key criterion for accessing these specialized services.