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When might an insured prefer to stay in an assisted living facility instead of a nursing home?

  1. To receive continuous medical supervision

  2. To maintain a greater level of independence

  3. To have on-site pharmacy services

  4. To participate in advanced physical therapy

The correct answer is: To maintain a greater level of independence

An insured may prefer to stay in an assisted living facility instead of a nursing home primarily to maintain a greater level of independence. Assisted living facilities are designed to cater to individuals who need some assistance with daily activities but still want to live in a more home-like environment. These facilities typically offer a balance between support and personal freedom, allowing residents to manage their daily routines more independently than in a nursing home setting, where the level of medical care and supervision is often higher and more structured. This preference for independence is especially important for individuals who are capable of handling their own personal care but may require help with certain tasks. The social environment in assisted living also supports autonomy, encouraging residents to engage in activities of their choice and maintain their personal lifestyle as much as possible, thereby enhancing their overall quality of life.