How Do I Qualify For Long Term Care Benefits?

2 Ways To Qualify For Long Term Care Insurance Benefits

#1: Qualify For Long Term Care Benefits When You Need Assistance With 2 Activities Of Daily Living

When a person needs assistance with at least two of the Activities of Daily Living for at least 90 days, then a long term care insurance claim may be submitted. It is up to your doctor to certify the need for long term care, not the insurance company. Qualifying Activities of Daily Living include bathing, feeding, dressing, transferring (moving in and out of bed), toileting, and continence.

#2: Qualify For Long Term Care Benefits If You Have Cognitive Impairment

Cognitivie impairment including Alzheimer's or dementia can also trigger your long term care insurance benefits. Although you may not need help with the Activities of Daily Living, you may need supervision to ensure your safety.

A Note About Prior Hospitalization - Long term care insurance does not require prior hospitalization to qualify for benefits. However, Medicare requires a 3 day hospital stay to qualify for Medicare payment of skilled nursing facility expenses.

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