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Select the appropriate response tim is confined to a nursing home but doesn't have a terminal illness. which life insurance rider is designed to help pay for this type of expense? cash value rider viatical rider accelerated (living) benefit rider long-term care benefit rider

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I believe the answer is: Long Term Care Benefit rider

Long Term Care Benefit rider would obtain a certain amount of benefit if somehow they require direct daily care when unable to provide it for themselves. But the amount of benefit that is given usually would be deducted from the amount of  the insured's death benefit.

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