The __ of coverage describes policy features, benefits, exclusions, and riders in a Long-Term Care policy.

• A. Outline of Coverage
• B. Summary of Benefits
• C. Declarations Page
• D. Claim Form

Answer: (D)

The Outline of Coverage is the document that describes policy features, benefits, exclusions, and riders in a Long-Term Care policy. It provides the consumer-facing details about what the policy pays for, how benefits are calculated, any limitations or exclusions, and pluses like riders that can add or modify coverage. This document helps buyers understand what they’re getting and compare policies, outlining specifics such as daily benefit amounts, benefit periods, elimination periods, inflation protection, and which services are covered or excluded.

Other documents serve different roles. A Declarations Page shows basic policy information like who’s insured, policy dates, and premium amounts. A Summary of Benefits offers a broad overview, but it doesn’t replace the detailed coverage description found in the Outline of Coverage. A Claim Form is used to report and file a claim after a loss.