Long Term Care Certification Practice Test

What is one primary function of long-term care insurance?

1. To cover all medical expenses without limitations

2. To provide financial support for long-term assistance services

3. To replace lost income due to disability

4. To pay for immediate surgical interventions

The correct answer is: To provide financial support for long-term assistance services

One primary function of long-term care insurance is to provide financial support for long-term assistance services. This type of insurance is specifically designed to cover the costs associated with long-term care services, which may include assistance with activities of daily living (ADLs) such as bathing, dressing, and eating, as well as services in various settings like nursing homes, assisted living facilities, or home care. Long-term care expenses can be significant, and many individuals may not have the savings or income to pay for these services out-of-pocket over an extended period. Long-term care insurance helps mitigate this financial burden, ensuring that individuals can access necessary care and support while preserving their assets. The other options provided do not align with the specific purpose of long-term care insurance. Some options suggest coverage for medical expenses or immediate surgical interventions, which fall under health insurance rather than long-term care. Additionally, while the loss of income due to disability is a serious concern and can be addressed through disability insurance, it is distinct from the focus of long-term care insurance, which is centered on the costs of long-term personal care services rather than income replacement.