Life & Health Insurance Practice Exam 2025 - Free Practice Questions and Study Guide

To qualify for long-term care (LTC) benefits, the conditions that usually need to be met relate to the individual's ability to perform daily functions and their cognitive status. Activities of daily living (ADLs) refer to essential tasks such as bathing, dressing, and eating, which are critical indicators of an individual's need for assistance. Cognitive impairment assesses an individual’s mental ability to manage everyday tasks. Medical necessity also plays a crucial role in establishing that the care needed is not only appropriate but essential for the individual's health status.

On the other hand, hospital confinement is not a requirement for LTC benefits. While some long-term care scenarios may occur post-hospitalization, an individual can qualify for LTC benefits without needing to have been hospitalized first. Thus, hospital confinement is not a standard condition for obtaining these benefits, making it the correct choice in this context.