One long-term care insurance benefit trigger considers whether the insured needs supervision to protect against threats to health or safety due to memory loss or disorientation.This benefit trigger is referred to as a(n)

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The description given in the question matches the criteria for the severe cognitive impairment trigger, which is a common type of benefit trigger used in long-term care insurance policies. This trigger is typically based on a set of diagnostic criteria and requires that an individual be diagnosed with a severe cognitive impairment, such as Alzheimer's disease or dementia, that results in the need for substantial supervision to protect against threats to health or safety.

One Long-Term Care Insurance Benefit Trigger Considers Whether the Insured