Long Term Care Certification Practice Test

In the event an employer terminates a group long-term care policy, what must be offered to an uninsurable older worker?

1. No coverage options

2. Alternative coverage options

3. Equivalent coverage must be offered

4. Only reduced benefits

The correct answer is: Equivalent coverage must be offered

When an employer terminates a group long-term care policy, the law often requires that certain protections are in place for those who may find it difficult to obtain coverage due to age or health status. In this context, offering equivalent coverage is crucial for an uninsurable older worker. This requirement helps ensure that individuals, especially those who may have developed health issues or whose age renders them uninsurable under standard policies, have continued access to necessary long-term care benefits. Providing equivalent coverage means that the worker can transition to another policy that mirrors the terms and benefits of their prior group policy, thus ensuring they are not left without crucial care options. This approach recognizes the importance of maintaining continuous coverage for vulnerable populations. The other options do not provide adequate support or security for the uninsurable older worker. Not offering any coverage fails to accommodate their needs, while alternative coverage options might not ensure the same level of protection or benefits. Reduced benefits could leave the individual without sufficient care, which is not in line with the intention of such regulations protecting older workers.