How It Works

What services are covered?

• A long-term care insurance policy will pay benefits for services you receive at home, in an assisted living facility and in a nursing home

When am I eligible to receive benefits?

You are eligible to receive benefits under your policy when a licensed health-care practitioner submits a plan of care that certifies:

• You are chronically ill meaning you require assistance performing at least two of the six activities of daily living for a period expected to last at least 90 consecutive days
• Or you need continual supervision due to a severe cognitive impairment
• And recommended services are included under your policy

When will benefits be payable?

• If you elect to receive policy benefits in cash, there is no waiting period. Cash benefits are available beginning with the first day of qualified need
• If you elect to be reimbursed for actual long-term care expenses, your policy will begin paying benefits after you satisfy the policy’s elimination period

How long will I receive benefits?

• As long as you remain eligible for benefits, your policy will continue to pay until the maximum lifetime benefit amount of the policy is reached