Which of the following does not have to be disclosed in long-term care policy?
Asked by: Tessie Hudson | Last update: October 27, 2025Score: 4.2/5 (29 votes)
Which of the following is not covered under a long-term care policy?
Home care is not covered or. Home Care Only. These policies are required to cover Home Health Care, Adult Day Care, Personal Care, Homemaker Services, Hospice Services and Respite Care but care in a Nursing Facility or Residential Care Facilities/Residential Care Facilities for the Elderly is not covered or.
Which of the following is not required to be stated in the outline of coverage provided with a long-term care policy?
The outline of coverage for long-term care policies includes essential information about the insurance company and supplementary policies. However, the policy number is not typically required to be explicitly stated in that outline. Therefore, option A, the policy number, is the correct answer to the question.
Which of the following does not trigger benefits under a long-term care policy?
In long-term care policies, benefit triggers are essential activities that determine eligibility for coverage. Among the options listed, sleeping is not typically considered a benefit trigger, while eating, toileting, and continence are. Therefore, the correct answer is C) Sleeping.
When a long-term care policy is guaranteed renewable, the insurer is limited to which of the following?
Guaranteed renewable means that you have the right to continue the policy as long as the premiums are paid on a timely basis. An insurer cannot terminate the policy if your health declines. The insurer also cannot make any change in any provision of the policy while the insurance is in force without your agreement.
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Which of the following is not a requirement for qualified long-term care plans?
Final answer: The provision that is NOT required in qualified long-term care policies is Prior hospitalization.
What is not designed to provide coverage for long-term care insurance?
Long-term care insurance isn't designed to cover the extensive medical care often associated with a terminal illness. It's also not intended to pay for end-of-life care (e.g., hospice care), which is often covered by Medicare, Medicaid, and private health insurance plans.
What is excluded in a long-term care policy?
Many long-term care policies exclude coverage for the following: Mental and nervous disorders or diseases (except organic brain disorders) Alcoholism and drug addiction. Illnesses caused by an act of war.
Which of the following is not legally required benefits?
Final answer: While health insurance, social security, and workers' compensation are generally legally mandated benefits for employees, unemployment benefits are not uniformly required, differing among states.
Which of the following statements about long-term care (LTC) insurance is false?
The false statement about long-term care insurance is that you should not buy it until age 30. It is advisable to buy earlier for lower premiums and to be prepared for any unexpected health changes.
When can a long-term care policy deny a claim for losses?
One of the most common reasons a long-term care insurance claim is denied is insufficient evidence or documentation. Insurance companies are entitled to adequate records and documentation for them to determine claim eligibility. Poor or insufficient records will result in a claim denial.
Which of the following statements about long-term care is true?
Final answer:
The true statement about longterm care is that most conditions in longterm care facilities are chronic. Longterm care can take place in various settings, including in-home care, but is not exclusively home-based.
Which of the following is not required in the outline coverage for health insurance policy?
Final answer: The item that is NOT required in the Outline of Coverage for a health insurance policy is the C) projection of the policy's future costs.
What is covered under a long-term policy?
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
What is the biggest drawback of long-term care insurance?
One of the biggest drawbacks of getting long-term care insurance is the risk of losing all the premiums you have paid over the years. If you end up not needing long-term care services, you won't be eligible for coverage. This means the money you've spent for coverage goes down the drain.
Which of the following is not included under long-term care?
The correct answer is option A. Acute care in a hospital is not typically covered under a long-term care policy. Long-term care policies are designed to provide coverage for individuals who require assistance with daily activities and prolonged care due to chronic illnesses, disabilities, or cognitive impairments.
Which of the following benefits is not a legally required employee benefit?
Understand that Social Security is a federal program providing retirement, disability, and survivor benefits to eligible individuals and is not legally required as a specific benefit employers must provide. The answer is A) Social Security.
What are some benefits that are not required by law?
These can include benefits such as paid vacation time, health insurance (medical insurance), contribution to retirement saving plans, childcare payments, long-term disability coverage, education assistance, wellness programs, and productivity incentives. Non-mandatory benefits can be monetary or non-monetary.
Does total compensation include taxes?
It is usually expressed as a gross, pre-tax amount from which income taxes are deducted before the net salary is deposited into an employee's bank account.
What does long-term care not cover?
Long-term care insurance typically doesn't cover care provided by family members. It also usually doesn't cover medical care costs—those are typically covered by private health insurance and/or Medicare.
Which of the following is typically not covered in a long term care policy?
Final answer: Acupuncture is typically not covered in Long-Term Care policies, while services like skilled care, home health care, and custodial care are covered to meet the needs of senior citizens.
What disqualifies someone from assisted living?
If a senior could jeopardize the safety and health of other residents, the senior may be denied admission to an assisted living facility. Some of the most common conditions for disqualification include seniors who have severe memory impairments, who need extensive medical care, or who are bedridden.
Which benefit would be typically excluded or limited under a long term care policy quizlet?
Under a Long Term Care policy, which benefit would be typically excluded or limited? Addictive behavior rehabilitation is normally excluded or limited under a Long Term Care policy.
What is a functional assessment for long-term care benefits?
Functional assessments are tools that states, providers, and managed care plans use to collect comprehensive information on persons applying for, and participants in, Medicaid home and community-based services (HCBS) and long-term services and supports (LTSS) programs.
Which term means things not covered by an insurance policy?
An exclusion is an event (peril, accident, incident, or accusation) that an insurance policy will not cover. A standard insurance policy will typically include some exclusions.