Which life insurance rider is intended to cover expenses for someone confined to a nursing home?

The long-term care benefit rider is specifically designed to provide financial support for individuals who need assistance or are confined to a nursing home or require long-term care services. This rider can help policyholders access funds to cover various costs associated with long-term care, including nursing home expenses, home health care, and assisted living.

By integrating this rider into a life insurance policy, policyholders can ensure they have a safety net in place for the potentially high costs associated with prolonged care needs, relieving financial stress for themselves and their families.

Other riders listed do not serve this specific purpose. For instance, a terminal illness rider provides benefits if the insured is diagnosed with a terminal condition but does not specifically address long-term care needs. Similarly, a disability income rider offers financial support in the event of a disability that prevents the insured from working, and an accidental death rider pays an additional benefit if death occurs due to an accident, neither of which pertains to nursing home or long-term care expenses.