One long-term care insurance benefit trigger considers whether the insured needs supervision to protect against threats to health or safety due to memory loss or disorientation. This benefit trigger is referred to as a(n)

A) activities of daily living trigger.
B) medical necessity trigger.
C) needs test trigger.
D) severe cognitive impairment trigger.

D

Explanation:

One long-term care insurance benefit trigger considers whether the insured needs supervision to protect against threats to health or safety due to memory loss or disorientation. This benefit trigger is referred to as a severe cognitive impairment trigger.

Benefit triggers are particular conditions that must happen before the insured can start receiving benefits. The most common “triggers” in long-term care insurance policies are:

Medical Necessity;

Loss of Functional Capacity; and

Cognitive Impairment.

Most times only one of these triggers need exist in order to qualify for benefit payments.