Which condition must an individual meet to qualify for long-term care insurance benefits?

To qualify for long-term care insurance benefits, an individual typically must demonstrate some level of cognitive impairment. This condition reflects a decline in memory, reasoning, or judgment, which can necessitate assistance or care. Long-term care insurance is specifically designed to address situations where individuals cannot perform daily living activities independently due to such impairments.

The other conditions mentioned do not align with the purpose of long-term care insurance. Complete recovery from illness would imply that the individual does not require long-term care at all, making it unnecessary to qualify for benefits. The ability to function independently also contradicts the need for long-term care; individuals seeking these benefits often require assistance due to their inability to perform daily tasks on their own. Being in perfect health condition indicates that the individual does not need any long-term care services, thus disqualifying them from accessing benefits under these policies.