When Can Long Term Care Insurance Be Used? 
There are triggers that indicate when Long Term Care benefits can be used . If non tax qualified policies , the triggers are when skilled or rehabilitative care is needed for medical necessity , when there is an inability to two or more activities of daily living , or when there is cognitive impairment . With tax qualified plans , the triggers for benefits are unable to do or more ADL 's without substantial assistance , cognitive impairment requiring substantial supervision , and the condition must be expect to last for at least 90 days . Medical necessity is not a trigger in this type of plan . 