Long-Term Care (LTC) insurance policies cover services for individuals who need assistance with activities of daily living (ADLs) or have severe cognitive impairments. The three primary levels of care in LTC policies areskilled nursing care(intensive medical care by licensed professionals),intermediate care(less intensive medical care with some nursing support), andcustodial care(non-medical assistance with ADLs, such as bathing or dressing). These levels are standard in Oklahoma’s LTC regulations and align with federal guidelines.
Option A: Incorrect. Professional, social, and economic care are not standard LTC levels.
Option B: Incorrect. While home-based and assisted living are settings for LTC, they are not levels of care; medical care is too vague.
Option C: Incorrect. Functional and rehabilitational care are not standard LTC categories; medical care is not specific enough.
Option D: Correct. Skilled nursing, intermediate, and custodial care are the recognized levels of care in LTC policies.
This question falls under the Prometric content outline section on “Long-Term Care (LTC) Policies,” which includes knowledge of LTC services and coverage.
[:, Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: General Knowledge – Long-Term Care Policies)., Oklahoma Insurance Department, Title 36 O.S. § 4426.1 (long-term care insurance regulations)., Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing., ]
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