Long Term Care Certification Practice Test 2026 – Complete Exam Prep

The correct answer identifies a factor that does not inherently indicate an increasing need for long-term care insurance. While health issues, advancing age, and increased life expectancy are direct factors that can necessitate a greater likelihood of requiring long-term care, the reliability of family and friends does not inherently determine an individual’s need for insurance.

Health issues directly correlate with the risk of needing long-term care, as chronic conditions or disabilities often require assistance. Advancing age is a significant risk factor for many individuals, as aging is associated with a higher incidence of health problems requiring long-term care. Similarly, increased life expectancy means that more individuals are living longer lives, which often leads to a greater likelihood of needing long-term care services at some point.

In contrast, the reliability of family and friends may influence someone's choice regarding long-term care arrangements or their preferences, but it does not directly affect the fundamental need for long-term care. A person could still require care regardless of their support network's reliability, making it less of a determining factor for the need for long-term care insurance.