To understand the long$-$term care $($LTC$)$ market, a financial planner must be familiar with the wide array of financial products designed to serve the unique needs of this market. As such, which one of the following statements is correct?

A$)$ Payments from a qualified LTC policy paying up to an annually adjusted per$-$day limit for charges from an LTC facility will be income tax free.

B$)$ Policies issued today generally require an individual to be eligible for Medicare nursing home benefits prior to receiving any insurance policy benefits.

C$)$ Practically all current long$-$term care policies provide for all levels of care$-$skilled, intermediate, custodial, and$/$or home care$-$if the patient needs assistance with two of the six activities of daily living.

D$)$ Because of medical screening, healthy people without a preexisting condition who want to purchase LTC now but may potentially suffer from Alzheimer's disease in the future cannot obtain a qualified LTC policy.