Question

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

1. 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.

a. II only.
b. l or II.
c. I only.
d. Neither I nor II.

Answer 1

To qualify for long-term care benefits, an insured must be unable to perform two of the six ADLs for at least 90 days, or have substantial cognitive impairment. Thus, the criteria are either I or II.

Step-by-step explanation:

To qualify for long-term care benefits, an insured individual must meet certain criteria. One of these is being unable to perform at least two of the six Activities of Daily Living (ADLs) for a minimum of 90 days. These ADLs typically include tasks such as bathing, dressing, eating, transferring (moving to or from a bed or chair), using the toilet, and maintaining continence. Another qualifying condition is having substantial cognitive impairment, such as that seen in moderate-to-severe stages of Alzheimer's Disease (AD), which requires substantial supervision for the individual's protection.

Considering the criteria mentioned above, the correct answer to the question of which is a criterion required for an insured to qualify for long-term care benefits would be either the inability to perform two of the six ADLs or having substantial cognitive impairment. Therefore, the answer is b. I or II.