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22. 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? oa. Yes, because of his extreme age. ob. 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. od. No, because he seems otherwise in good health. 23. The elimination period under Ruth's LTCI policy is 30 days, while Rebecca's policy specifies an elimination period of 180 days. Everything else being equal, what can be expected regarding their respective premiums? O a. Ruth's premium will be higher than Rebecca's, ob. Rebecca's premium will be higher than Ruth's. O c. Rebecca's premium will decline over the term of her policy. od. The length of the elimination period has no bearing on an LTCI policy's premium. 24. Patricia has become unable to perform several ADLs, but before a determination can be made regarding her qualifications to receive long-term care insurance benefits, the insurer requires that her physician create a written plan of care. What role is Patricia's doctor taking? O a. gatekeeper ob. custodian c. responsible party o d. fiduciary

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