In long-term care insurance, the term describing the duration during which claims are paid is called the

• A. Benefit Period
• B. Deductible Period
• C. Coverage Period
• D. Waiting Period

Answer: (A)

In long-term care insurance, the duration of benefit payments is defined by the benefit period; it represents how long benefits will be paid once you qualify for care, with options such as two years, five years, or lifetime. After any elimination or waiting period—the time you must pay out of pocket before benefits start—payments continue for the length of the benefit period. The waiting period describes when payments begin, not how long they last, so it doesn’t define the payout duration. Coverage period is less precise for this concept. So the term that best fits the description is the benefit period.