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          What is Long-term Care Insurance?
          Receiving Long-Term Care Insurance Benefits Receiving Long-Term Care Insurance Benefits
 Costs & Who Pays
  

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    Overview
                                
                
        Who Pays for Long-Term Care?
          
                                  Using Life Insurance to Pay for Long-Term Care
                          Buying Long-Term Care Insurance
                                Costs of Care
                                
                
        What is Covered by Health & Disability Insurance?
          
                                  Coverage Limits Chart
                                      
                
        What is Long-Term Care Insurance?
          
                                  What Long-term Care Insurance Covers
                          Receiving Long-Term Care Insurance Benefits
                          Where to Look for Long-term Care Insurance
                          Long-term Care Insurance Costs
                                      
                
        Paying Privately
          
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                          Annuities
                          Trusts In order to receive benefits from your long-term care insurance policy you meet two criteria: the Benefit Trigger and the Elimination Period.
Benefit triggers are the criteria that an insurance company will use to determine if you are eligible for benefits. Most companies use a specific assessment form that will be filled out by a nurse/social worker team. Benefit triggers:
Are the criteria insurance policies use to determine if you are eligible for long-term care benefits
Are determined through a company sponsored nurse/social worker assessment of your condition.
Usually are defined in terms ofActivities of Daily Living (ADLs) or cognitive impairments
Most policies pay benefits when you need help with two or more of six ADLs or when you have a cognitive impairment
Once you have been assessed, your care manager from the insurance company will approve a Plan of Care that outlines the benefits for which you are eligible.The "elimination period" is the amount of time that must pass after a benefit trigger occurs but before you start receiving payment for services. An elimination period:
Is like the deductible you have on car insurance, except it is measured in time rather than by dollar amount
Most policies allow you to choose an elimination period of 30, 60, or 90 days at the time you purchased your policy
During the period, you must cover the cost of any services you receive
Some policies specify that in order to satisfy an elimination period, you must receive paid care or pay for services during that timeOnce your benefits begin:
Most policies pay your costs up to a pre-set daily limit until the lifetime maximum is reached
Other policies pay a pre-set cash amount for each day that you meet the benefit trigger, whether you receive paid long-term care services on those days or not
These "cash disability" policies offer more flexibility but are potentially more expensive

                    *Last modified on 02/18/2020*
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