Insurance Exam Prep

Ran Chen, EA, CFP®

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

5/1/2026 • 3 min

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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