Karen Blumenthall was seriously injured in a car accident and is paralyzed from the waist down. Luckily she has an insurance policy that will pay for someone to come in and help with her day to day activities such as bathing, dressing and household chores. What type of insurance policy is this likely to be?

A. Comprehensive Major Medical Insurance

B. Hospital Indemnity Policy

C. Long Term Care Insurance

D. Cancer Insurance Policy

In the United States and other countries such as Canada, the Long-term care insurance is the type of insurance policy that includes long-term care which refers to care for people who have a chronic illness or are not sick in the traditional way but require help to be independent and do basic daily activities such as using the bathroom, bathing, dressing, walking, etc. This type of service is essential to guarantee patients that require long term care independence and fulfillment.

In the case of Karen Blumenthal it is likely her insurance policy is Long Term Care Insurance because she receives long term care, that involves in her case someone helping her doing some daily activities (household chores, dressing, bathing) because after the accident hse is paralyzed from the waist down which is also a long term condition.