Tennessee Insurance Practice Exam

An insured's inability to perform two or more activities of daily living could trigger which rider?

1. Disability rider

2. Child term rider

3. Long term care rider

4. Accidental death benefit rider

The correct answer is: Long term care rider

The correct choice, the long term care rider, is specifically designed to provide benefits when an insured cannot perform two or more activities of daily living, such as bathing, dressing, eating, and toileting. This rider is crucial as it addresses the needs of individuals who may require assistance with these fundamental tasks due to illness, injury, or incapacitation. The long term care rider supplements a standard insurance policy by offering financial support for care services, whether provided at home, in assisted living facilities, or in nursing homes. This is particularly important as the cost of long-term care can be substantial, and having this rider can help alleviate the financial burden on the insured and their family. The other options do not offer the same benefits tied to activities of daily living. For instance, a disability rider typically covers loss of income due to a disabling condition, while a child term rider provides coverage for a dependent child and does not relate to the insured's ability to perform daily living tasks. An accidental death benefit rider only pays a benefit in the case of death resulting from an accident and is not relevant to activities of daily living or long-term care needs.