Kentucky Health Insurance Practice Exam

Prior to issuance of a LTC policy to an applicant age 80 or older, the insurer must obtain all of the following EXCEPT...

1. Date of previous doctor visit.

2. Report of a physical examination or assessment of functional capacity.

3. Attending physician's report

4. Copies of medical records

The correct answer is: Date of previous doctor visit.

The correct answer is the date of the previous doctor visit, as it is not a requirement that insurers obtain this specific information before issuing a long-term care (LTC) policy to an applicant aged 80 or older. Insurance regulations typically impose certain requirements to ensure that the applicant's health status is accurately assessed, which is crucial for determining eligibility and appropriate coverage for long-term care services. In contrast, obtaining a report of a physical examination or an assessment of functional capacity, an attending physician's report, and copies of medical records are essential steps in the underwriting process for older applicants. These documents provide critical insights into the applicant's current health condition, functional capabilities, and any pre-existing medical issues that could affect the insurance coverage or the applicant's care needs. Thus, while the date of a previous doctor's visit may provide some context about ongoing care, it does not carry the same weight or necessity in the underwriting process as the other items listed.