Which option best describes the main benefit of a long-term care rider?

The main benefit of a long-term care rider is that it covers expenses for assistance with daily living activities. These activities often include tasks such as bathing, dressing, eating, and mobility, which can become challenging for individuals as they age or if they develop certain health conditions.

By including this rider in a life insurance policy, policyholders can ensure that they have financial support when they need long-term care services, either at home or in a facility. This coverage can help alleviate the financial burden associated with these necessary services, allowing individuals to focus on their recovery and well-being rather than on cost concerns.

Other options don't accurately reflect the core purpose of a long-term care rider. For instance, preventing premium increases relates more to the stability of payment amounts, while providing immediate cash benefits implies a different structure, such as that found in critical illness policies. Enhancing investment growth refers to aspects of investment components within insurance products, which is also not aligned with the primary function of a long-term care rider.