# [Health Insurance] 35, Benefit Triggers and Activities of Daily Living

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-35-benefit-triggers-and-activities-of-daily-living
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-35-benefit-triggers-and-activities-of-daily-living.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-01T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/af26221c-203c-4909-901a-39d14938eeae.mp3
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Duration seconds: 219

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The two primary triggers for activating benefits in a tax-qualified long-term care policy. - That an insured must be unable to perform exactly two of the six Activities of Daily Living (ADLs). - The six official ADLs are: Bathing, Dressing, Toileting, Transferring, Continence, and Eating. - How to spot common exam traps that use Instrumental Activities of Daily Living (IADLs) like cooking or shopping as incorrect answer choices. - That a severe cognitive impairment is an alternative trigger, and a licensed health care practitioner must certify any qualifying condition. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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