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Neal, 90, otherwise in good health, discovers he is no longer able to dress or bathe himself without assistance. His family doctor prescribes a plan for home health care, but Neal has no available family caregiver. Would these facts result in the payment of benefits by most long-term care insurance policies? (Search Chapter 6) a. Yes, because of his extreme age. b. No, because this sort of condition is to be expected in the elderly and is not technically a health issue. c. Yes, because the need for assistance with two or more ADLs is a benefit trigger in most LTC policies. d. No, because he seems otherwise in good health.
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