Which of the following is typically a feature of long-term care insurance?

Long-term care insurance is designed to cover services that assist individuals with daily activities due to chronic illness, disability, or cognitive impairment. A key feature of this type of insurance is the ability to receive care in various settings, including home care, which encompasses services like private duty nursing.

Private duty nursing at home is a typical feature of long-term care insurance policies. This service allows individuals to receive one-on-one nursing care by a registered nurse or licensed practical nurse in the comfort of their own homes. The option for home care is significant as it reflects a preference for aging in place, which many policyholders seek.

The other choices do not accurately represent typical features of long-term care insurance. Lifetime benefits without a cap might not be a standard term in most policies as there are often limits or caps based on the chosen plan. Coverage for all medical bills is also misleading, as long-term care insurance specifically focuses on custodial care, not comprehensive medical care like health insurance. Immediate qualification for coverage is not common, as most policies require underwriting and may involve waiting periods before benefits become available.