Question

Which of the following is a criteria required for an insured to qualify for long-term care benefits?

I. The insured is unable to perform two of the six ADLs for at least 90 days.
II. The insured has substantial cognitive impairment requiring substantial supervision for his or her
protection.

Answer 1

To qualify for long-term care benefits, an insured individual must be unable to perform two out of the six Activities of Daily Living (ADLs) for at least 90 days. They must also have substantial cognitive impairment requiring substantial supervision.

Step-by-step explanation:

To qualify for long-term care benefits, an insured individual must meet certain criteria. One of the criteria is that the insured is unable to perform two out of the six ADLs (Activities of Daily Living) for at least 90 days. ADLs include tasks such as bathing, dressing, eating, transferring, toileting, and continence. Another criterion is that the insured has substantial cognitive impairment requiring substantial supervision for their protection. Cognitive impairment refers to conditions that affect memory, thinking, and reasoning abilities.