Long Term Care Certification Practice Test

When group long-term care insurance is terminated, one potential outcome for the individual is the possibility of converting to an individual policy. This option allows individuals to maintain their coverage without having to submit evidence of insurability, which can be beneficial if their health status has changed since the original group policy was issued.

Converting to an individual policy can ensure that the individual continues to have access to long-term care services tailored to their needs, despite the cessation of group coverage. It's a safeguard for policyholders, helping to bridge the gap and provide continuity in their care options.

The other options present scenarios that generally do not align with standard insurance practices. For instance, limited care options or the automatic transition to a premium plan are not typical next steps; instead, policyholders are often offered a chance to maintain their coverage through conversion. Increased eligibility requirements do not necessarily emerge from the termination of a group policy, as individual policies typically have clearer criteria that do not change upon such a transition.