Which type of rider reimburses health and social service expenses incurred in a convalescent or nursing home facility?

The long-term care rider is designed specifically to provide benefits for expenses related to health and social services incurred in a convalescent or nursing home facility. This rider complements a life insurance policy by offering financial support when the policyholder requires extended care due to chronic illnesses, disabilities, or other health-related issues that necessitate long-term assistance.

By adding this rider, an individual can ensure that they have a source of funding for the often significant costs associated with long-term care, which might not be covered by traditional health insurance. It serves the purpose of easing the financial burden of care, helping policyholders maintain their quality of life during recovery or management of their condition in a facility that provides skilled nursing care.

The other options relate to different types of coverage not associated with long-term care expenses. Accidental death riders offer benefits in the event of a death caused by an accident, disability income riders provide income replacement due to a policyholder's inability to work from a disability, and critical illness riders provide a lump-sum payment upon diagnosis of specified severe health conditions. Each serves distinct purposes but does not focus on the reimbursement of expenses related to care in a nursing facility as the long-term care rider does.