1. Long-term care insurance commonly provides benefits for care delivered in:

A nursing home, an assisted living facility, or the insured's own home

LTC coverage typically pays for care across multiple settings, including nursing homes, assisted living, and home care.

2. The elimination period in a long-term care policy is:

A waiting period before benefits begin after care is needed

The LTC elimination period is a deductible measured in days that must pass before benefits start.

3. The Medigap open enrollment period, when a beneficiary can buy a Medicare supplement without medical underwriting, generally begins:

When the person is 65 or older and enrolled in Medicare Part B

Medigap open enrollment is a one-time six-month window starting when the person is 65 and enrolled in Part B.

4. Most people receive Medicare Part A without paying a monthly premium because:

They or a spouse paid Medicare taxes while working

Workers who paid sufficient Medicare taxes generally qualify for premium-free Part A at age 65.