New York Insurance Exam Practice Question
Which of the following is a feature of long-term care insurance?
Correct Answer: B
Rationale: Long-term care insurance specifically provides benefits for custodial care, which includes assistance with daily living activities such as bathing, dressing, and eating. This is essential for individuals who may not require medical care but still need help with basic tasks.
Option A is incorrect as long-term care insurance covers more than just hospital stays; it focuses on non-medical care. Option C is misleading; while a primary care physician may be involved in overall health management, it is not a requirement for long-term care insurance. Option D is also wrong, as long-term care policies typically do not guarantee premium refunds, making B the only accurate choice.
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