Question

Which of the following individuals is most likely to be rated a substandard risk under an LTC policy?

A. Gerald, who lives alone and has no trouble taking care of himself, but who has been diagnosed with an inoperable brain aneurysm that, if it bursts, would almost certainly kill him immediately
B. Ken, who is on medication to bring down his blood pressure, but who gets around and takes care of himself easily
C. Brenda, whose diabetes is under control
D. Garrison, who has been diagnosed with early- stage Alzheimer's disease

Answer 1

Garrison, who has early-stage Alzheimer's disease, is most likely to be rated a substandard risk under an LTC policy due to the progressive care needs associated with the condition.

Step-by-step explanation:

The individual most likely to be rated a substandard risk under an LTC (Long Term Care) policy is Garrison, who has been diagnosed with early-stage Alzheimer's disease. LTC policies are designed to provide for individuals who need assistance with activities of daily living due to chronic illness, disability, or conditions like Alzheimer's disease, which affects memory, thinking, and behavior, leading to increased care needs over time. Gerald's condition, while serious, does not necessarily require LTC at this moment, and Brenda and Ken's conditions are controlled, implying that they currently manage their daily activities effectively.