Long Term Care Certification Practice Test

Which service is typically covered by long-term care insurance?

1. Acute hospital care

2. Personal care services

3. Surgical procedures

4. Emergency medical transportation

The correct answer is: Personal care services

Long-term care insurance is specifically designed to cover a range of services that assist individuals with activities of daily living and other long-term care needs, rather than acute or emergency medical situations. Personal care services, which can include assistance with bathing, toileting, dressing, and other daily tasks, fall squarely within the focus of long-term care insurance. These services are essential for individuals who may have chronic illnesses, disabilities, or cognitive impairments that restrict their ability to perform everyday activities independently. Personal care services can be provided at home, in adult day care centers, or in assisted living facilities, making them a fundamental component of long-term care coverage. In contrast, other services mentioned such as acute hospital care, surgical procedures, and emergency medical transportation are typically not covered by long-term care insurance. These services are generally included in health insurance or Medicare, as they pertain to immediate medical needs rather than ongoing assistance and care.