LLQP (Life Licence Qualification Program) Practice Exam · Question
Which of the following is NOT typically considered one of the 'Activities of Daily Living' (ADLs) used to trigger benefits in a Long-term Care insurance policy?
Long-term Care (LTC) insurance benefits are triggered when the insured cannot perform a specific number (usually 2 out of 6) of the Activities of Daily Living (
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Question: Which of the following is NOT typically considered one of the 'Activities of Daily Living' (ADLs) used to trigger benefits in a Long-term Care insurance policy?
Answer options:
- Bathing
- Feeding
- Dressing ✅ Driving
Correct answer: Driving
Explanation: Long-term Care (LTC) insurance benefits are triggered when the insured cannot perform a specific number (usually 2 out of 6) of the Activities of Daily Living (ADLs). These include: Bathing, Dressing, Toileting, Transferring (moving in/out of bed), Continence, and Feeding. 'Driving' is an Instrumental Activity of Daily Living (IADL) but not a standard ADL for LTC trigger.
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- A life insurance policy that offers lifelong coverage, a guaranteed death benefit, and a savings component tha
- Group benefits in Canada commonly include:
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