23. Abby is a passenger in an automobile that is struck by a drunk driver. She suffers severe trauma to the head, which results in a substantially reduced ability to render safe judgments. Though Abby is able to go about her activities of daily living, her condition is permanent, and she must be supervised much of the time. Should this set of conditions normally qualify for benefits under a qualified long-term care policy? (Search chapter 6) a. Yes, because it is a loss of cognitive function. b. No, because she can carry out her ADLs unassisted, and ADL impairment is required under an LTC policy. c. Yes, because this would loosely fall into the category of \"medically necessary\" care. d. No, because this type of condition is covered by disability insurance