How Does Long Term Healthcare Insurance Work? 
Long Term Healthcare Insurance works by either reimbursing the provider of the long term care , or paying the benefit directly to the insured person to pay for their own long term care services . This occurs after the insured person qualifies for the benefit to be paid , by being unable to perform two or more ADL 's and a few other conditions . When the elimination -LRB- waiting -RRB- period has passed , the Long Term Care Insurance benefits kick in . 