Long Term Care Insurance quotes from Insurance Planners you can trust Auto Insurance Quotes
Long Term Care Insurance Planners Get your long term care insurance policy from Insurance Planners today
Get Free Long Term Care Insurance Quotes Long Term Care Insurance Information & Basics Long Term Care Insurance Buying & Shopping Tips Long Term Care Insurance Policy Frequently Asked Questions about Long Term Care Insurance
Get your free online Long Term Care Insurance quotes today!

Long Term Care Insurance Policy Benefit Triggers

 
Long term care insurance policies may have different benefit triggers for home health care coverage than for nursing home care. Review you long term care policy for specifics.

Activities of Daily Living (ADL)

The inability to do daily living activities is one way long term care insurance companies decide when you are eligible for benefits. Activities of daily living most companies use are bathing, continence, dressing, eating, toileting, and transferring. More specifics on these triggers can be found in your long term care policy. Typically the policy pays benefits when you can't do a certain number of ADLs, such as two of the six or three of the six for a certain period of time.

Be sure you understand the specific rules of ADLs. Policies may define ADLs and may require you to have hands-on assistance with the ADL. Specifying hands-on assistance may make it harder to qualify for benefits than if only standby assistance is required.

Cognitive Impairment

Using a test of your mental ability is also one of the benefit triggers. This trigger usually requires that you cannot pass certain mental function tests. Not all policies use this as a benefit trigger.

Doctor Certification of Medical Necessity

Some long term care insurance policies will start paying benefits if your doctor orders the care as medically necessary. Tax-qualified policies do not use this benefit trigger.

Prior Hospitalization

Policies sold today do not require prior hospitalization to start benefits. However, Medicare still requires a three-day hospital stay to be eligible for Medicare payment of skilled nursing facility benefits.


Add this page to your Favorites!

 
LTC Newsletter Archive
 
LTCI Featured Monthly Article & Website Reviews
 
 
LTC Insurance Basics
Covered Services
Why Buy Long Term Care Insurance?
Myths and Facts
Sample Quotes
Long Term Care Insurance Rates
LTCi and Your Retirement Plans
Medicaid Eligibility
Alzheimer's & Costs to Family Caregivers
Choosing an Assisted Living Facility
 
Insurance Buying Tips
Insurance Shopping Tips
Choosing the Right Insurer
 
About the Policy
Long Term Care Insurance Benefits
Optional Benefits
Benefit Triggers
LTC Policy Exclusions
LTC & Tax Deductions
Group Long Term Care Insurance Plans
Inflation Protection
 
 
*NEW!* - Nursing Homes & LTC Costs in 50 States
 
Long Term Care Insurance Press Releases
 
Long Term Care Insurance Resources
 
 
Testimonials
 
 
 
Home
 
 
 
Long Term Care Insurance Planners Home | About Us | Privacy Policy | Legal Disclaimer | Site Map
 
Copyright © Inspolicy 2005 Long Term Care Insurance - LTC Planners
All Rights Reserved
 
Site Powered By Zeus Registry Web Hosting