Long Term Care Certification Practice Test

Which of the following would NOT be found in the outline of coverage?

1. List of available riders

2. Description of benefits

3. Limitations and exclusions

4. Premium payment options

The correct answer is: List of available riders

The outline of coverage is designed to give a summarized view of the policy's key features, benefits, and limitations. It typically includes descriptions of benefits offered by the policy, any limitations or exclusions that may apply, and the options available for premium payments. The correct answer points out that a list of available riders would not typically be included in the outline of coverage. Riders are additional provisions or adjustments to a standard policy offering more specialized benefits tailored to specific needs. They are often discussed in more detail in the policy documents themselves rather than the outline, which maintains a more general summary format. This approach allows consumers to grasp the foundational aspects of the coverage while deciding on the policy, reserving more granular details like riders for later discussions or documentation.