Long Term Care Certification Practice Test

What is typically necessary to maintain coverage under a long-term care insurance policy?

1. Submission of health status updates

2. Payment of premiums

3. Regular doctor visits

4. Approval of new conditions

The correct answer is: Payment of premiums

To maintain coverage under a long-term care insurance policy, the payment of premiums is essential. Long-term care insurance operates on a contractual agreement between the insurer and the policyholder, where the policyholder pays premiums in exchange for coverage of certain long-term care expenses. If premiums are not paid, the policy may lapse, resulting in the loss of coverage, which could leave individuals without financial protection for long-term care needs. While submission of health status updates, regular doctor visits, and approval of new conditions may be related to the ongoing management of a policy or the benefits eligibility process, they are not fundamental requirements for maintaining coverage. The obligation to pay premiums is the primary and most critical component to keep a long-term care insurance policy active.