Life & Health Insurance Practice Exam 2026 – Your All-in-One Guide to Exam Success!

Long-term care (LTC) policies are designed to provide support for individuals who require assistance with daily living activities due to chronic illness, disability, or other conditions that necessitate care over an extended period. While skilled nursing care is a critical component of long-term care, these policies must also cover lower levels of care, which encompass a range of service options.

Lower levels of care typically include custodial care, which does not require the same level of medical expertise as skilled care but is essential for daily assistance, such as help with bathing, dressing, eating, and managing medication. By ensuring that LTC policies cover lower levels of care, insurers aim to provide comprehensive support that can accommodate the various needs of individuals, allowing them to receive appropriate care either at home or in community settings.

In contrast, options that specify care types like custodial care from family members, full-time residential care, or home health aide visits do not fully encompass the broader requirement for covering various levels of care within LTC policies. For example, while home health aide visits are certainly helpful, a robust LTC policy must address the full spectrum of care needs that may arise, including both professional and informal care settings, making the inclusion of lower levels of care paramount. This ensures that policyholders