Which of the following factors will be likely to require an increase in the premiums that will be paid for a long-term care policy? (1.) A benefit trigger specifying a requirement of inability to perform two activities of daily living. (2.) A decreased elimination period. (3.) An inflation protection rider. (4.) An insured who is married. 2 and 3. 1 and 3. 3 and 4. 2 and 4