Which of the following is a typical elimination period length in long-term care policies?

• A. 30 days
• B. 90 days
• C. 120 days
• D. 180 days

Answer: (B)

The elimination period is the waiting period before long-term care benefits begin, acting like a deductible you must meet with your own care costs. A 90-day elimination period is a common middle-ground option because it balances cost and coverage: shorter waits raise premiums since the insurer fronts benefits sooner, while longer waits reduce premiums but leave you paying out of pocket longer. Many policies offer 30, 60, 90, or 180 days, with 90 days being a typical choice for a reasonable compromise.