Question #60 of 85

Mildred has a long-term care insurance policy that pays benefits in the event she is unable to perform three activities of daily living (ADLs). Mildred is now partially disabled and would like to know if she qualifies for benefits. As her adviser, which of the following should you do to assist her in this determination?

A)

See if her inability to perform the activities would impoverish her life and, therefore, elevate her need to the level for which the policy provides a benefit.

B)

See if the activities she is unable to perform are ADLs a normal person is expected to engage in within a 24-hour period.

C)

See if the activities she is unable to perform are ones that her family would be expected to assist with, and, if not done, whether the policy will cover such assistance.

D)

Check her policy to see if the activities she is unable to perform are listed specifically as ADLs and whether she is unable to perform enough of them to qualify for benefits.