A long-term care rider

a. Provides an amount equal to the death benefit plus any cash value to a terminally ill insured expected to die in the next 6 months

b. Establishes a trust fund for the insured's family so that nursing home care can be paid for with insurance premiums instead of paying premiums directly to the life insurance company

c. Pays 25% of the death benefit as monthly income for an insured who cannot perform all of the six activities of daily living

d. Provides up to 100% of the policy benefits if the insured qualifies for benefits as specified in the rider but will reduce the amount of death benefit protection based on the amount paid under the rider

Answer: D