With long term care insurance, this is how to qualify and receive benefits.

It starts with you and your doctor.  Your doctor must certify you need help with two of six basic activities of daily living (ADLs) for 90 days or more:

  • Eating
  • Bathing
  • Dressing
  • Transferring
  • Toileting
  • Incontinence

This usually occurs with frailty as we age or after a diagnosis of things like stroke, cancer, or Alzheimer’s.

Once the claim is approved and the waiting period is met, the benefit payments begin.  Benefits are paid to the policyholder, or more commonly, directly to the care provider to reimburse the cost of care provided up to the maximum monthly benefit.

It’s important to note that only licensed home care providers and facilities can be paid through the policy.