What must be true for a policyholder to retain long-term care insurance benefits?

To retain long-term care insurance benefits, it is essential for policyholders to maintain their premium payments. This requirement ensures that the policy remains active and the insurance coverage stays in force. If a policyholder fails to pay the premiums, the policy could lapse, resulting in loss of benefits. Long-term care insurance, like all insurance products, requires continuous premium payments to uphold the contract between the insurer and the insured.

The other options do not generally pertain to maintaining benefits in the context of long-term care insurance. Age limits, beneficiary changes, and restrictions on the use of benefits for in-home care are not standard criteria for retaining insurance benefits and thus do not have the same impact on the continuity of coverage.