PSI Ohio Insurance Practice Exam

A Long-Term Care Policy is designed to cover which of the following?

1. Home modifications

2. Respite care

3. Scheduled wellness visits

4. Long-term medications

The correct answer is: Respite care

Long-Term Care Policies are specifically designed to provide coverage for various services that assist individuals who have chronic illnesses or disabilities, particularly those who require assistance with daily living activities. Respite care is a service that fits well within this framework, as it provides temporary relief for primary caregivers by offering care for the individual who needs assistance. This allows caregivers a much-needed break while ensuring that their loved one continues to receive appropriate care. Home modifications can be important for enhancing accessibility and comfort for individuals with long-term care needs, but they often fall outside the standard scope of coverage provided by these policies. Scheduled wellness visits, while beneficial for preventative care, typically do not align with the central focus of long-term care, which targets ongoing assistance rather than routine checkups. Long-term medications also do not directly relate to the core function of long-term care policies, which emphasize hands-on support rather than pharmaceutical needs. Hence, respite care is the most fitting option as it directly supports the principles of assisting individuals with continuous care demands.