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Kentuckyi,-Lifei,-andi,-Healthi,-Statei,-Exami,-
Studyi,-Guidei,-withi,-completei,-Solutionsi,-|i,-
Latesti,-2025/2026i,-Update.
Industriali,-lifei,-insurancei,-isi,-ai,-formi,-ofi,-lifei,-insurancei,-writteni,-underi,-
policiesi,-havingi,-ai,-facei,-valuei,-amounti,-ofi,-i,- i,-$3,000i,-ori,-less
Besti,-describesi,-thei,-intenti,-ofi,-ai,-Coinsurancei,-clausei,-ini,-ai,-majori,-
medicali,-policyi,-i,- i,-discouragesi,-overutillizationi,-ofi,-thei,-insurancei,-
coverage
NOTi,-requiredi,-wheni,-ani,-insurancei,-companyi,-requestsi,-ani,-inspectioni,-
reporti,-i,- i,-Consenti,-ofi,-thei,-agent
Insureri,-andi,-Employeri,-i,- i,-Partiesi,-directlyi,-involvedi,-ini,-ai,-groupi,-
accidenti,-andi,-healthi,-insurancei,-contract
Wheni,-determiningi,-thei,-accumulationi,-valuei,-ofi,-ai,-deferredi,-annuity,i,-
thei,-totali,-isi,-calculatedi,-byi,-takingi,-thei,-premiumsi,-paidi,-plusi,-interest,i,-
andi,-theni,-subtractingi,-the:i,-i,- i,-Withdrawalsi,-andi,-expenses
Statementsi,-containedi,-ini,-advertisementsi,-withi,-respecti,-toi,-thei,-
businessi,-ofi,-insurancei,-whichi,-arei,-untrue,i,-deceptive,i,-ori,-misleadingi,-
are:i,-i,- i,-Prohibitedi,-underi,-statei,-late
Medicali,-Informationi,-Bureaui,-consistsi,-ofi,-membersi,-fromi,-whichi,-
group?i,-i,- i,-insurancei,-companies
Defamationi,-i,- i,-Ai,-statementi,-thati,-isi,-falsei,-ori,-maliciouslyi,-criticali,-ofi,-
thei,-financiali,-conditioni,-ofi,-ani,-insurer
Medicarei,-Parti,-Bi,-excessi,-chargesi,-arei,-coveredi,-by:i,-i,- i,-Medicarei,-
supplements
Maximumi,-periodi,-ofi,-timei,-fori,-whichi,-ai,-personi,-cani,-holdi,-ai,-
temporaryi,-license?i,-i,- i,- 180 i,-days
Ani,-agenti,-isi,-requiredi,-toi,-registeri,-withi,-FINRAi,-ini,-orderi,-toi,-sell?i,-i,- i,-
Variablei,-Life
Misrepresentationi,-
i,-i,- i,-Making,i,-issuingi,-ori,-circulatingi,-anyi,-estimate,i,-illustration,i,-
circular,i,-ori,-statementi,-thati,-distortsi,-thei,-termsi,-ofi,-anyi,-policyi,-isi,-
prohibitedi,-andi,-definedi,-a
Ai,-signedi,-goodi,-healthi,-statementi,-wouldi,-bei,-collectedi,-byi,-ai,-lifei,-
produceri,-ati,-thei,-timei,-of:i,-i,- i,-Policyi,-Delivery
Thei,-Commissioneri,-ofi,-Insurancei,-is:i,-i,- i,-Appointedi,-byi,-thei,-governor
Whati,-doesi,-Medicarei,-Partsi,-Ai,-andi,-Bi,-cover?i,-i,- i,-Parti,-Ai,-coversi,-
hospitalization;i,-Parti,-Bi,-coversi,-doctor'si,-services
Ani,-insurablei,-riski,-requires:i,-i,- i,-Thati,-thei,-chancei,-ofi,-lossi,-bei,-
measurable
Ini,-ani,-insurancei,-contract,i,-thei,-insureri,-isi,-thei,-onlyi,-partyi,-whoi,-makesi,-
ai,-legallyi,-enforceablei,-promise.i,-Whati,-kindi,-ofi,-contracti,-isi,-this?i,-i,- i,-
Unilateral
Toi,-avoidi,-havingi,-toi,-takei,-anotheri,-examination,i,-ani,-agenti,-whoi,-
allowsi,-hisi,-licensei,-toi,-lapsei,-musti,-reinstatei,-thei,-licensei,-withini,-i,- i,- 12 i,-
monthsi,-fromi,-thei,-duei,-datei,-ofi,-thei,-renewali,-fee
Ai,-personi,-whoi,-commitsi,-insurancei,-fraudi,-isi,-guiltyi,-ofi,-ai,-
misdemeanori,-ifi,-thei,-claim,i,-benefit,i,-ori,-moneyi,-involvedi,-ini,-thei,-
illegali,-activityi,-is:i,-i,- i,-$300i,-ori,-less
Whati,-isi,-thei,-finei,-fori,-violationi,-ofi,-thei,-HIVi,-testingi,-andi,-disclosurei,-
procedures?i,-i,- i,-Noti,-lessi,-thani,-$50i,-ori,-morei,-thani,-$
Medicaidi,-isi,-fundedi,-byi,-whichi,-entityi,-(entities)?i,-i,- i,-bothi,-federali,-
andi,-statei,-governments
Policyi,-thati,-hasi,-benefitsi,-thati,-arei,-consideredi,-taxable?i,-i,- i,-
Noncontributoryi,-Groupi,-Disabilityi,-Incomei,-Policy
Stevei,-isi,-ai,-produceri,-whoi,-offersi,- 2 i,-ticketsi,-toi,-thei,-Superi,-Bowli,-asi,-ani,-
incentivei,-fori,-drawni,-toi,-buyi,-ai,-veryi,-largei,-wholei,-lifei,-policy.i,-Whichi,-
unfairi,-tradei,-practicesi,-Stevei,-ini,-violationi,-of?i,-i,- i,-Rebatingi,-(illegali,-
inducements)
Underi,-ai,-healthi,-benefiti,-plan,i,-whichi,-ofi,-thei,-followingi,-actionsi,-
manageri,-properlyi,-takei,-oni,-thei,-basisi,-ofi,-ai,-genetici,-testi,-fori,-whichi,-
symptomsi,-havei,-noti,-manifested?i,-i,- i,-Renewi,-thei,-policy
Underi,-Kentuckyi,-code,i,-thei,-commissioneri,-mayi,-imposei,-ai,-premiumi,-
taxi,-ofi,-______i,-ofi,-grossi,-premiumsi,-fori,-ani,-unauthorizedi,-insureri,-i,- i,-
Thei,-maximumi,-periodi,-fori,-whichi,-ai,-groupi,-healthi,-plani,-mayi,-excludei,-
benefitsi,-fori,-pre-existingi,-conditionsi,-fori,-ai,-participanti,-whoi,-isi,-noti,-ai,-
latei,-enrolleei,-is?i,-i,- i,- 12 i,-months
Ai,-Lifei,-Insurancei,-companyi,-justi,-paidi,-ai,-$100000i,-debti,-benefiti,-toi,-ai,-
beneficiary.i,-Wheni,-thei,-insuredi,-died,i,-thei,-cashi,-valuei,-wasi,- 15000 i,-andi,-
thei,-totali,-premiumsi,-paidi,-equalsi,- 10000 i,-howi,-muchi,-ofi,-thei,-proceedsi,-
willi,-bei,-addedi,-toi,-thei,-beneficiariesi,-grossi,-incomei,-fori,-federali,-andi,-
incomei,-taxi,-purposes?i,-i,- i,-$0.i,-Wheni,-ani,-insuredi,-diesi,-proceedsi,-ofi,-
ai,-Lifei,-Insurancei,-Policyi,-paidi,-asi,-ai,-lumpi,-sum,i,-deathi,-benefiti,-toi,-ai,-
beneficiaryi,-arei,-exempti,-fromi,-federali,-incomei,-tax.
Ani,-agenti,-ori,-insureri,-musti,-maintaini,-ai,-recordi,-ofi,-alli,-transactionsi,-fori,-
ati,-leasti,-howi,-manyi,-years?i,-i,- i,-Ati,-leasti,- 5 i,-years
Ini,-whati,-situationi,-isi,-ai,-criticali,-illnessi,-plani,-covered?i,-i,- i,-Leukemia
Ai,-schooli,-teacheri,-hasi,-contributedi,-eightyi,-thousandi,-dollarsi,-intoi,-ai,-
taxi,-shelteredi,-annuity.i,-Ati,-thei,-timei,-shei,-surrenderedi,-thei,-contract.i,-
Thei,-accounti,-valuei,-wasi,-ai,- 180000 i,-dollandi,-heri,-taxi,-bracket.i,-Wasi,-
30%i,-thei,-resultanti,-taxi,-amountsi,-to?i,-i,- i,-$54,
Thei,-onlyi,-partyi,-ini,-ani,-insurancei,-contracti,-thati,-makesi,-ai,-legallyi,-
enforceablei,-promisei,-isi,-Thei,-insurancei,-company.i,-Becausei,-ofi,-this,i,-
Insurancei,-contractsi,-arei,-consideredi,-toi,-bei,-i,- i,-Unilateral
Thei,-maini,-objectivei,-ofi,-thei,-examinationi,-ofi,-insurersi,-byi,-statei,-
insurancei,-departmentsi,-isi,-toi,-determinei,-i,- i,-Continuedi,-solvencyi,-ofi,-
thei,-insurers
Thisi,-policyi,-doesi,-noti,-havei,-thei,-automatici,-premiumi,-loani,-provisioni,-
attachedi,-toi,-iti,-i,- i,-Decreasingi,-term
Afteri,-ani,-insuredi,-givesi,-noticei,-ofi,-loss,i,-Whati,-musti,-hei,-ori,-shei,-doi,-ifi,-
thei,-insureri,-doesi,-noti,-furnishi,-forms?i,-i,- i,-Filei,-writteni,-proofi,-ofi,-loss.
Ani,-insurancei,-companyi,-cani,-writei,-ani,-accidentali,-deathi,-Andi,-
dismembermenti,-policyi,-asi,-a(an):i,-i,- i,-Stand-alone,i,-policyi,-ori,-rider
Thisi,-isi,-noti,-relevanti,-wheni,-determiningi,-thei,-amounti,-ofi,-personali,-Lifei,-
Insurancei,-neededi,-i,- i,-Locali,-unemploymenti,-rate.
Basici,-hospitali,-andi,-surgicali,-policyi,-benefitsi,-arei,-i,- i,-loweri,-thani,-thei,-
actuali,-expensesi,-incurred
Ti,-hasi,-Ai,-disabilityi,-incomei,-policyi,-Thati,-paysi,-ai,-monthlyi,-benefiti,-ofi,-
fivei,-thousandi,-dollars.i,-Ifi,-Ti,-becomesi,-partiallyi,-disabled,i,-Whati,-cani,-
hei,-likelyi,-expecti,-i,- i,-Lessi,-thani,-$5000i,-peri,-monthi,-benefiti,-
regardlessi,-ofi,-thei,-cause.
Mi,-becomesi,-disabledi,-andi,-isi,-unablei,-toi,-worki,-fori,-sixi,-months.i,-Mi,-diesi,-
sooni,-afteri,-fromi,-complicationsi,-arisingi,-fromi,-thisi,-disability.i,-Mi,-hasi,-ai,-
Disabilityi,-Incomei,-policyi,-thati,-paysi,-$2,000i,-ai,-month.i,-Whichi,-ofi,-thei,-
followingi,-statementsi,-BESTi,-describesi,-whati,-isi,-owedi,-toi,-heri,-estate?i,-i,-
i,-Earn,i,-buti,-unpaidi,-benefits.
Wheni,-ani,-employeei,-isi,-requiredi,-toi,-payi,-ai,-portioni,-ofi,-thei,-premiumi,-
fori,-ani,-employer/employeei,-groupi,-healthi,-plan,i,-thei,-employeei,-isi,-
coveredi,-underi,-whichi,-ofi,-thei,-followingi,-plans?i,-i,- i,-Contributory.
Underi,-Kentuckyi,-Codei,-304.2,i,-Thei,-commissioner,i,-Asi,-thei,-Appointedi,-
headi,-ofi,-thei,-insurancei,-departmenti,-willi,-servei,-fori,-ai,-periodi,-noti,-toi,-
exceedi,-i,- i,- 4 i,-years.
Pi,-isi,-ai,-Majori,-Medicali,-policyowneri,-whoi,-isi,-hospitalizedi,-asi,-ai,-resulti,-ofi,-
injuriesi,-sustainedi,-fromi,-participatingi,-ini,-ai,-carjacking.i,-Howi,-willi,-thei,-
insureri,-mosti,-likelyi,-handlei,-thisi,-claim?i,-i,- i,-Claimi,-willi,-bei,-denied.
Thei,-fairi,-crediti,-reportingi,-acti,-isi,-Intendedi,-toi,-givei,-i,- i,-consumersi,-
thei,-righti,-toi,-protecti,-theiri,-owni,-crediti,-information
Noti,-ani,-examplei,-ofi,-rebatingi,-i,- i,-Sharingi,-commissionsi,-withi,-otheri,-
licensedi,-Andi,-appointedi,-agents.
Ai,-typei,-ofi,-insurancei,-companyi,-thati,-isi,-establishedi,-asi,-ai,-lodgei,-ori,-
charitablei,-organizationi,-isi,-i,- i,-Fraternal.
Howi,-manyi,-daysi,-musti,-ani,-insuredi,-notifyi,-thei,-insureri,-ofi,-ai,-claimi,-
underi,-thei,-noticei,-ofi,-claimi,-provision?i,-i,- i,-Twentyi,-days
Jayi,-wouldi,-likei,-toi,-maintaini,-thei,-righti,-Toi,-changei,-beneficiaries.i,-
Whichi,-beneficiaryi,-designationi,-shouldi,-bei,-used?i,-i,- i,-Revocable.
Thei,-insurancei,-Companyi,-thati,-sharesi,-profitsi,-ori,-lossesi,-withi,-itsi,-
investorsi,-isi,-calledi,-Ai,-i,- i,-Stocki,-company.
Ani,-untruei,-statementi,-abouti,-majori,-medicali,-benefitsi,-i,- i,-Benefitsi,-
havei,-noi,-maximumi,-limit.
Ani,-examplei,-ofi,-businessi,-disabilityi,-buy-selli,-policyi,-designedi,-toi,-helpi,-
ini,-thei,-salei,-ofi,-ai,-businessi,-i,- i,-Businessi,-owneri,-becomingi,-disabled
Whati,-doesi,-thei,-ownershipi,-clausei,-ini,-ai,-Lifei,-Insurancei,-Policyi,-state?i,-i,-
i,-Whoi,-thei,-policyowneri,-isi,-andi,-whati,-rightsi,-thei,-policyowneri,-isi,-
entitledi,-to
Thisi,-settlementi,-optioni,-doesi,-noti,-involvei,-thei,-systematici,-liquidationi,-
ofi,-thei,-deathi,-proceedsi,-ini,-thei,-eventi,-ofi,-thei,-insured'si,-death.i,-i,- i,-
Interesti,-only
Thisi,-optioni,-besti,-describesi,-ai,-shorti,-termi,-medicali,-expensei,-policyi,-i,-
i,-Noni,-renewable
Ai,-characteristici,-ofi,-ai,-preferredi,-provideri,-organizationsi,-(PPO)i,-isi,-i,- i,-
Ifi,-servicei,-isi,-obtainedi,-outsidei,-thei,-PPO,i,-benefitsi,-arei,-reducedi,-andi,-
costsi,-increase
Thisi,-contracti,-permitsi,-thei,-remainingi,-partnersi,-toi,-buyi,-outi,-thei,-
interesti,-ofi,-ai,-disabledi,-businessi,-partneri,-i,- i,-Disabilityi,-Buy-Sell
Whati,-musti,-bei,-giveni,-toi,-ai,-Lifei,-Insurancei,-applicanti,-Wheni,-thei,-agenti,-
receivesi,-ani,-applicationi,-andi,-thei,-initiali,-premium?i,-i,- i,-Ai,-
conditionali,-receipt
Ai,-lifei,-insurancei,-policyi,-owneri,-wasi,-injuredi,-ini,-ani,-automobilei,-
accidenti,-whichi,-Resultsi,-ini,-ai,-totali,-andi,-permanenti,-disability.i,-Whichi,-
rideri,-wouldi,-payi,-ai,-monthlyi,-amounti,-becausei,-ofi,-thisi,-Disability?i,-i,- i,-
Disabilityi,-Incomei,-rider
Thei,-premiumsi,-fori,-continuedi,-Healthi,-Insurancei,-coveragei,-underi,-
Cobrai,-arei,-paidi,-fori,-byi,-the.i,-i,- i,-Employee
Thei,-documenti,-thati,-givesi,-ai,-healthi,-insurancei,-companyi,-thei,-
authorityi,-toi,-payi,-benefitsi,-Directlyi,-toi,-ai,-policyi,-holder'si,-healthi,-carei,-
provideri,-isi,-the:i,-i,- i,-Assignmenti,-ofi,-benefits.
Whati,-isi,-issuedi,-toi,-eachi,-employeei,-ofi,-ani,-employeri,-healthi,-plani,-i,- i,-
Certificate.
Di,-wasi,-activelyi,-servingi,-ini,-thei,-marinesi,-wheni,-hei,-wasi,-killedi,-ini,-ani,-
automobilei,-accidenti,-whilei,-oni,-leave.i,-Hisi,-onei,-hundredi,-thousandi,-
dollari,-wholei,-lifei,-policyi,-containsi,-ai,-wari,-exclusioni,-clause.i,-Howi,-
muchi,-willi,-D'si,-beneficiariesi,-receive?i,-i,- i,-Thei,-fulli,-facei,-amount
Ai,-non-participatingi,-policyi,-will.i,-i,- i,-Noti,-payi,-dividends
Ani,-individuali,-hasi,-ai,-majori,-medicali,-policyi,-withi,-$5000i,-deductiblei,-
andi,-ani,- 8020 i,-coi,-insurancei,-clause.i,-Howi,-muchi,-willi,-thei,-insuredi,-havei,-
toi,-pay?i,-Ifi,-ai,-totali,-ofi,-$15000i,-ini,-coveredi,-medicali,-expensesi,-arei,-I'mi,-
cured.i,-i,- i,-$7,
100%i,-ofi,-heri,-hearing.i,-Whati,-wouldi,-thei,-insurancei,-companyi,-bei,-
responsiblei,-for?i,-i,- i,-Fulli,-disabilityi,-incomei,-benefits.
Thei,-agreementi,-ini,-whichi,-hospitalsi,-andi,-physiciansi,-groupsi,-ini,-ai,-
specifici,-areai,-contracti,-withi,-ani,-insurancei,-companyi,-toi,-providei,-
medicali,-carei,-ati,-prei,-determinedi,-costsi,-isi,-i,- i,-Preferredi,-provideri,-
organizationi,-(PPO)
Whati,-musti,-thei,-policyi,-owneri,-providei,-toi,-thei,-insureri,-fori,-validationi,-
thati,-ai,-lossi,-hasi,-occurredi,-i,- i,-Proofi,-ofi,-loss.
Noti,-ai,-reasoni,-fori,-ai,-businessi,-toi,-buyi,-ai,-keyi,-Personi,-lifei,-insurancei,-i,- i,-
Ai,-pensioni,-deficiencyi,-ifi,-thei,-keyi,-employeei,-dies
Ani,-accidenti,-Ani,-Healthi,-Insurancei,-Policyi,-definesi,-ani,-Injuryi,-asi,-
"Bodilyi,-injuryi,-byi,-accidentali,-means."i,-Fori,-ani,-injuryi,-toi,-bei,-coveredi,-
oni,-thisi,-policy,i,-whati,-isi,-required?i,-i,- i,-Bothi,-thei,-causei,-andi,-thei,-resulti,-
ofi,-ani,-accidenti,-musti,-bei,-unintentional.
Makingi,-publishingi,-disseminatingi,-ori,-circulatingi,-directlyi,-ori,-
indirectly.i,-Ori,-aidingi,-ai,-bettingi,-ori,-encouragingi,-anyi,-orali,-ori,-writteni,-
statement,i,-whichi,-isi,-falsei,-ori,-derobertoryi,-toi,-thei,-financiali,-conditioni,-
ofi,-ani,-insureri,-isi,-definedi,-as.i,-i,- i,-Defamation.
Accordingi,-toi,-thei,-lawi,-ofi,-largei,-numbersi,-howi,-wouldi,-lossesi,-bei,-
affectedi,-ifi,-thei,-numberi,-ofi,-similari,-insuredi,-unitsi,-increasesi,-i,- i,-
Lossesi,-wouldi,-bei,-betteri,-predicted.
Whoi,-werei,-Keoghi,-plansi,-designedi,-toi,-providei,-pensioni,-benefitsi,-for?i,-
i,- i,-self-employed
Underi,-thei,-physicali,-andi,-mentali,-handicapi,-provision,i,-parentsi,-havei,-
howi,-manyi,-daysi,-toi,-contacti,-thei,-insureri,-uponi,-thei,-dependenti,-
attainmenti,-ofi,-age.i,-i,- i,- 31 i,-days.
Whati,-riski,-isi,-insurablei,-i,- i,-purei,-risk
Thisi,-statementi,-isi,-incorrecti,-regardingi,-thei,-federali,-incomei,-taxi,-
treatmenti,-ofi,-lifei,-insurancei,-i,- i,-Entirei,-cashi,-surrenderi,-valuei,-isi,-
taxable.
Anyi,-personi,-failingi,-toi,-complyi,-withi,-ai,-subpoenai,-issuedi,-byi,-thei,-
commissioneri,-ofi,-insurance.i,-i,- i,-Mayi,-bei,-punishedi,-byi,-thei,-superiori,-
courti,-fori,-contempt.
Ini,-ai,-familyi,-plani,-ai,-childi,-borni,-afteri,-issuancei,-ofi,-thei,-policyi,-wouldi,-
requirei,-whichi,-ofi,-thei,-followingi,-i,- i,-Coveragei,-beginsi,-immediatelyi,-
ati,-birth.i,-Noi,-additionali,-premium.
Ai,-policyi,-loani,-isi,-madei,-possiblei,-byi,-whichi,-ofi,-thesei,-lifei,-insurancei,-
policyi,-Features?i,-i,- i,-Policyi,-loani,-provision
ai,-trustee-to-Trusteei,-transferi,-Ai,-rolli,-overi,-fundsi,-ini,-ai,-qualifiedi,-plani,-
allowsi,-ai,-participanti,-toi,-avoidi,-i,- i,-Mandatoryi,-incomei,-taxi,-withi,-
holdingi,-oni,-thei,-transferi,-amount.
Insurersi,-issuingi,-longi,-termi,-carei,-policiesi,-musti,-givei,-purchasersi,-thei,-
optioni,-toi,-buyi,-ani,-inflationi,-protectioni,-featurei,-thati,-increasesi,-
benefitsi,-ati,-ani,-annuali,-ratei,-ofi,-ati,-leasti,-i,- i,-Fivei,-percent
Thei,-Kentuckyi,-continuingi,-educationi,-requirementi,-fori,-eachi,-
continuingi,-educationi,-bienniumi,-isi,-i,- i,- 24 i,-hoursi,-ofi,-courses.
Thei,-investmenti,-gainsi,-fromi,-ai,-universali,-lifei,-policyi,-usuallyi,-goesi,-
towards.i,-i,- i,-cashi,-value
Mikei,-appliedi,-fori,-Lifei,-Insurancei,-andi,-wasi,-issuedi,-Ai,-Conditionali,-
receipt.i,-Hei,-isi,-lateri,-foundi,-toi,-bei,-ani,-acceptablei,-riski,-andi,-isi,-issuedi,-ai,-
Policy.i,-Whati,-isi,-consideredi,-toi,-bei,-thei,-effectivei,-datei,-ofi,-thisi,-
insurancei,-contract?i,-i,- i,-Datei,-thei,-conditionali,-receipti,-wasi,-issued.
Whichi,-ofi,-thesei,-statementsi,-regardingi,-insurancei,-isi,-falsei,-i,- i,-Thei,-
numberi,-ofi,-lossesi,-decreasei,-asi,-thei,-numberi,-ofi,-insuredi,-unitsi,-
increase
Eachi,-ofi,-thei,-followingi,-isi,-ani,-unfairi,-marketingi,-ori,-tradei,-practicei,-
excepti,-i,- i,-Replacement.
Whati,-isi,-toi,-bei,-expectedi,-ofi,-ai,-modifiedi,-lifei,-policyi,-i,- i,-Ani,-eventuali,-
changei,-ini,-premiumi,-payments
Ai,-waiveri,-ofi,-premiumi,-benefiti,-fori,-ai,-lifei,-insurancei,-policyi,-isi,-utilizedi,-
wheni,-theyi,-insuredi,-i,- i,-Becomesi,-completelyi,-disabled
Ai,-reciprocali,-isi,-managedi,-byi,-whichi,-ofi,-thei,-followingi,-i,- i,-Ani,-
attorney-in-fact.
Isi,-toi,-bei,-aligiblei,-fori,-sociali,-securityi,-Disabilityi,-benefits,i,-Ani,-employeei,-
musti,-bei,-unablei,-toi,-perform.i,-i,- i,-Anyi,-occupation?
Whichi,-ofi,-thei,-followingi,-longi,-termi,-carei,-benefitsi,-providesi,-twentyi,-
fouri,-houri,-carei,-i,- i,-Skilledi,-nursingi,-care.
