Certified Senior Advisor (CSA) Practice Test

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Which of the following is often a common benefit trigger for receiving payments under a long-term care policy?

Loss of income

Severe cognitive impairment

Severe cognitive impairment serves as a common benefit trigger for receiving payments under a long-term care policy because it directly affects an individual's ability to perform daily activities and manage their own care. Long-term care policies are designed to provide benefits when a policyholder is unable to perform a certain number of activities of daily living (ADLs) or is impaired in cognitive functioning.

Cognitive impairments, such as those resulting from conditions like Alzheimer's disease or other forms of dementia, can significantly hinder a person's ability to think, remember, and make decisions. Insurers typically recognize these limitations as triggers for benefits because they necessitate assistance with daily care. Long-term care policies focus on helping individuals who require support due to both physical and cognitive issues, making severe cognitive impairment a clear and recognized basis for qualifying for payments under the policy.

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Inability to purchase policy coverage

Physical injuries due to accident

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