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 policy?
In Long-Term Care (LTC) insurance, 'Activities of Daily Living' (ADLs) usually include bathing, dressing, toileting, transferring, continence, and eating. A per
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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 policy?
Answer options: ✅ Housekeeping
- Bathing
- Transferring
- Eating
Correct answer: Housekeeping
Explanation: In Long-Term Care (LTC) insurance, 'Activities of Daily Living' (ADLs) usually include bathing, dressing, toileting, transferring, continence, and eating. A person qualifies for benefits if they cannot perform a certain number of these (usually 2). Housekeeping is an IADL (Instrumental), not a basic ADL.
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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:
- Sarah, a 35-year-old marketing professional in Ontario, purchases a participating whole life insurance policy
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