Long Term Care Certification Practice Test

The primary purpose of long-term care insurance is to?

1. Provide preventive health care

2. Maintain a functional level for living

3. Increase wealth accumulation

4. Cover all medical expenses

The correct answer is: Maintain a functional level for living

The primary purpose of long-term care insurance is to maintain a functional level for living. This type of insurance is designed to cover the costs associated with long-term care services, which may include assistance with daily activities such as bathing, dressing, eating, and medication management. As individuals age or experience chronic illnesses, they may require ongoing support that standard health insurance does not cover. Long-term care insurance aims to ensure that individuals can sustain a quality of life and independence for as long as possible, facilitating care in a manner that aligns with their personal preferences, whether at home or in a care facility. This supportive function is crucial because it helps individuals avoid financial strain when they face inevitable care needs and assists in maintaining dignity and comfort during challenging times. In contrast, preventive health care focuses on measures that prevent health issues before they arise, which is not the main goal of long-term care insurance. While wealth accumulation may be a byproduct of financial strategies related to care insurance planning, it is not the primary aim. Lastly, while long-term care insurance can help manage some healthcare costs, it does not cover all medical expenses, particularly those related to acute medical care that falls under traditional health insurance.