Reference no: EM133794148

Question 

Age and severe arthritis have affected Morley's quality of life. He is considering entering a nursing home. He did purchase long-term care insurance and is reviewing its provisions to see what benefits he might expect to receive. His policy calls for the payment of $100 per day for care should he qualify for benefits. Morley has home care because he needs assistance getting out of bed each day. He is able to walk with the aid of a cane, or when he is particularly sore, with the aid of a walker. His hands are getting very stiff, but he can manage to dress and undress himself. He can use the toilet that has a special seat and handrails. He has had no problems with incontinence to date. He has someone help him into the shower, but he is able to wash himself. He has trouble preparing meals but he can eat and his appetite is good. Considering his current condition, which one of the following statements about his LTC coverage is correct? A) Because he requires daily home care, his condition qualifies him for LTC benefits. B) While he remains in his own premises outside the nursing home, he will.