I Long-term care insurance is any insurance policy or rider designed to provide coverage for...

Under Pennsylvania Long-Term Care (LTC) insurance regulations, a policy or rider must provide coverage for aminimum benefit period of at least 12 months, or1 year, to be classified as long-term care insurance. This requirement ensures that the policy addresses extended care needs rather than short-term medical or rehabilitation services.

Long-term care insurance covers services such as nursing home care, assisted living, home health care, and custodial care, which are not typically covered by standard health insurance or Medicare for extended durations. Policies offering less than one year of benefits do not meet Pennsylvania’s statutory definition of long-term care insurance.

Options listing longer periods may be available as policy choices, but they exceed the minimum requirement. Therefore, the correct and verified answer according to Pennsylvania Life, Accident, and Health Insurance study materials isA. 1 year.