Long Term Care Certification Practice Test

Which of the following is NOT likely to be part of the underwriting process for a long-term care policy?

1. Medical history review

2. Social service visit

3. Family health history assessment

4. Personal interviews

The correct answer is: Social service visit

The underwriting process for a long-term care policy typically involves an assessment of various factors to determine the applicant's eligibility and the risk associated with providing coverage. One vital component is the review of medical history, which helps underwriters assess existing health conditions and potential future health risks. A family health history assessment is also important, as it provides insights into hereditary conditions that could affect the applicant’s long-term health needs. Personal interviews may be conducted as part of the underwriting to gather more personalized information about the applicants' lifestyle and health concerns. In contrast, a social service visit is not commonly part of the underwriting process for long-term care insurance. This type of visit is more relevant in the context of care planning and service delivery rather than in assessing an applicant’s eligibility for insurance. It usually involves evaluating an individual's needs for support and services rather than evaluating risk for policy underwriting. Therefore, identifying social service visits as not being part of the underwriting process correctly highlights that this action is oriented toward service provision rather than the assessment of coverage eligibility.