When To Use Long Term Care Insurance? 
You use Long Term Care Insurance benefits if/when you experience the triggers that allow the countdown of the elimination period to begin , and finally , the benefit to be paid . The triggers will be the loss of the ability to do at least two ADL 's -LRB- activities of daily living -RRB- without personal assistance , and with the expectation that this condition will remain for at least 90 days . Another trigger than prompts usage of Long Term Care benefits is cognitive dysfunction that interferes with daily living . 