Long Term Care
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11 Terms
Long-term care policy covers…
Final Funeral Expenses
Medicare Supplement
Custodial Care
Medical Care for Seniors
Custodial Care
What triggers a claim on long-term care policy?
Total and Permanent Disability
Any Occupation
Activities of Daily Living
Own Occupation
Activities of Daily Living
Which is not an ADL?
Dressing
Toileting
Driving
Bathing
Driving
Minimum elimination period if a long-term care policy…
60 Days
30 Days
45 Days
15 Days
30 Days
Constant care at a facility…
Intermediate Care
Custodial Care
Respite Care
Skilled Nursing
Skilled Nursing
Giving rest to a caregiver…
Intermediate Care
Respite Care
Skilled Nursing
Custodial Care
Respite Care
Long-term care payments are calculated by…
Quarterly Amount
Daily Amount
Annual Amount
Monthly Amount
Daily Amount
What is not a long-term care exclusion?
Parkinson’s Disease
War
Drug Addiction
Pre-existing Conditions
Parkinson’s Disease
What benefit will increase benefits by inflation?
Nonforfeiture
Return of Premium
Guaranteed Issue
COLA
COLA
Long term care policy allows what benefit to protect from the unintentional lapse…
Grace Period Extension
Automatic Premium Loan
Emergency Contact
Lapse Forgiveness
Emergency Contact
What is NOT a long term care exclusion?
Pre-existing Conditions
Drug Addiction
War
Parkinson’s Disease
Parkinson’s Disease
Note 
Flashcards (73)