Kentucky Health Insurance Practice Exam

Which of the following long term care benefits covers care for functionally impaired adults on a less than 24 hour basis?

1. Adult day care

2. Residential care

3. Assisted living

4. Home health care

The correct answer is: Adult day care

Adult day care is the correct choice as it specifically refers to programs designed to provide care, supervision, and social activities for functionally impaired adults during the day, typically on a less than 24-hour basis. These programs are often used by families who need a break from caregiving or cannot provide the needed care during working hours. This service allows participants to receive care and engage in activities while their primary caregivers are at work or otherwise occupied, effectively supporting both the individuals receiving the care and their families. In contrast, residential care generally involves living in a facility that provides 24-hour monitoring and assistance, which would not apply to the question's focus on less than full-time care. Assisted living also provides around-the-clock services but is more akin to a living arrangement rather than a daytime program. Home health care provides skilled nursing care and assistance at home but typically involves a professional caregiver coming into the home rather than a structured facility like adult day care. This distinction reinforces the role of adult day care in offering support specifically during daytime hours.