Long-Term Care Rider provides up to what percentage of policy benefits if long-term care is required?

Long-Term Care Rider provides up to what percentage of policy benefits if long-term care is required?

• A. 50%
• B. 75%
• C. 100%
• D. 125%

Answer: (C)

The Long-Term Care Rider can pay up to the full policy benefits when long-term care is required. This means you can tap the entire death benefit to cover LTC costs, with the amount paid reducing the remaining death benefit accordingly. Using the rider this way provides funds for care without needing to spend down other assets, though it does shorten the amount available to your beneficiaries. Other percentages would limit how much can be used for LTC, and 125% isn’t a standard feature for LTC riders.

The Long-Term Care Rider can pay up to the full policy benefits when long-term care is required. This means you can tap the entire death benefit to cover LTC costs, with the amount paid reducing the remaining death benefit accordingly. Using the rider this way provides funds for care without needing to spend down other assets, though it does shorten the amount available to your beneficiaries. Other percentages would limit how much can be used for LTC, and 125% isn’t a standard feature for LTC riders.