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Which condition would automatically qualify a person for long-term care benefits?

  1. Severe physical disability

  2. Cognitive impairment such as Alzheimer's disease

  3. Living alone without support

  4. History of chronic illness

The correct answer is: Cognitive impairment such as Alzheimer's disease

A cognitive impairment such as Alzheimer's disease typically qualifies a person for long-term care benefits due to the significant impact such conditions have on an individual’s ability to perform daily activities independently. Alzheimer's disease affects a person's memory, thinking, and behavior, often leading to a deterioration in their ability to care for themselves or manage their daily needs. Consequently, individuals facing this challenge may require assistance with activities of daily living (ADLs) such as dressing, bathing, and meal preparation, making them eligible for long-term care services. While severe physical disabilities may also warrant long-term care benefits, cognitive impairment uniquely signifies a need for specialized care, often requiring guidance or supervision to ensure safety. Living alone without support can be concerning, but it doesn't necessarily indicate a requirement for long-term care, as individuals might still be capable of managing their needs. A history of chronic illness signifies ongoing health issues but does not automatically imply a need for long-term assistance unless accompanied by functional limitations.