State RegulationsFL specificDifficulty 3/5
Under a Florida long-term care policy, benefits typically become payable when the insured does which of the following?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.9407, Florida long-term care policies are triggered by functional impairment — the inability to perform the activities of daily living (ADLs) specified in the policy, such as bathing, dressing, and eating — rather than by age or hospitalization alone. If a policy conditions benefits on institutionalization, any required prior hospital or nursing facility stay is limited to no more than 30 days under Fla. Stat. 627.9407(5)(b)2. The ADL trigger ties benefits to actual need for care.
Why the other options are wrong
- A) Long-term care benefits are not age-triggered; they respond to functional impairment.
- B) Hospitalization alone is not the trigger, and any prior-stay requirement for institutionalization is capped by statute.
- D) Prepaying premiums affects the payment schedule, not the benefit trigger.
Memory hook
Can't wash, dress, or eat? That's when LTC pays.