State RegulationsFL specificDifficulty 1/5
Under Florida long-term care terminology, severe cognitive impairment as a benefit trigger is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Florida's LTC terminology standards in Chapter 627, Florida Statutes, severe cognitive impairment means a deterioration or loss of intellectual capacity, such as from dementia or Alzheimer's disease, that jeopardizes the insured's health and safety and requires substantial supervision by another person. Ordinary forgetfulness and physical mobility limits do not qualify; the trigger is aimed at insureds who can no longer protect themselves from harm even if they can still perform physical tasks.
Why the other options are wrong
- B) Occasional memory lapses associated with normal aging are expressly not severe cognitive impairment, which requires a lasting decline endangering health and safety.
- C) An inability to walk relates to the transferring ADL, a physical functioning trigger, not the cognitive impairment trigger.
- D) A prediction of future impairment is not the trigger; benefits turn on an actual, current impairment requiring substantial supervision.
Memory hook
Severe cognitive impairment = danger to self plus substantial supervision.