Activities of daily living $($ADLs$)$ are important in determining:

a$.$ benefit duration for long$-$term$-$care insurance.

b$.$ type of care for long$-$term$-$care insurance.

c$.$ services covered for long$-$term$-$care insurance.

d$.$ eligibility for long$-$term$-$care insurance.

e$.$ the waiting period for long$-$term$-$care insurance.