Long Term Care Certification Practice Test

Which of the following individuals would NOT be eligible for a group long-term care policy?

1. Employee's spouse

2. Employee's child

3. Employee's sibling

4. Employee

The correct answer is: Employee's sibling

In a group long-term care policy, eligibility typically extends to immediate family members of the employee, which includes the employee themselves, their spouse, and their children. However, siblings are generally not considered immediate family under these policies. This distinction is important in understanding how group coverage is structured. The purpose of a group policy is to provide a safety net for individuals who are closely related to the primary member of the policy—essentially, those who would rely on or benefit most directly from the employee's support. Since siblings do not typically fall into this category, they are excluded from eligibility for group long-term care insurance. Knowing these specifics can aid individuals in making informed decisions regarding their own long-term care needs and understanding the nuances of their insurance options.