South Carolina Laws and Rules Practice Exam 2026 – Comprehensive Test Prep

Long-term care insurance is specifically designed to cover a variety of personal and medical services for individuals who can no longer perform daily activities independently due to a chronic illness, disability, or cognitive impairment. The correct answer encompasses a wide range of support services that are typically provided in non-acute care settings, such as nursing homes, assisted living facilities, or even in the individual's home.

This type of insurance assists with crucial services like assistance with activities of daily living (ADLs), which include bathing, dressing, eating, and using the bathroom, as well as other supportive services such as therapy for rehabilitation and maintenance of health. This broad approach to care reflects the intent of long-term care insurance to provide support over an extended period rather than just focusing on acute medical care, making it a vital resource for those in need of ongoing assistance.

The other options focus on specific scenarios or types of financial support that do not align with the primary purpose of long-term care insurance, which is to manage long-term health needs rather than provide income replacement, supplement Medicare, or give lump-sum payments for critical illnesses.