Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In a long-term care policy, the elimination period is typically expressed in which unit?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
LTC elimination periods are expressed in days — commonly 0, 30, 60, 90, or 180 days — representing the number of days the insured must pay for covered care before benefits begin. Expressing it in days aligns with the daily-benefit design of LTC policies. AH-II.1 anchors the elimination-period term, and its day-based measurement is standard.
Why the other options are wrong
- B) Weeks are not the conventional unit; policies specify a day count.
- C) A year-long elimination period would be far longer than any standard LTC design.
- D) Dollar amounts describe deductibles, not the time-based elimination period.
Memory hook
Elimination periods speak in days — 0, 30, 90, 180 — not dollars or decades.