Long Term Care Certification 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

Which statement is true regarding long-term care insurance policies when an insured is recovering from a heart attack?

Coverage will terminate if health issues arise

Coverage will continue as long as premiums are paid

The statement that coverage will continue as long as premiums are paid is true regarding long-term care insurance policies. This means that as long as the policyholder maintains their premium payments, the insurance coverage remains effective, even during periods of health recovery such as after a heart attack. It's important to highlight that long-term care insurance is designed to provide financial support for care services, and policyholders do not lose their benefits purely due to health fluctuations, provided they fulfill their premium obligations.

Additionally, certain conditions may warrant temporary benefits or adjustments to the policy, but these would not automatically terminate coverage nor enhance it without specific terms. This stability in ongoing coverage ensures that individuals can access necessary care services during their recovery without immediately risking a lapse in their policy.

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Coverage is automatically increased after health events

Coverage can be suspended during recovery

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