Long-term Care Insurance

The long-term care insurance policy works when a licensed health care practitioner certifies that you are chronically ill and determines the need of the long-term care services.

Within the benefits there are waiting periods you will select which time any costs for long-term care services are your responsibility. Your payments benefits will be enforced once you become eligible for benefits, you will have the option to select your method of payment. Your choices will be a traditional reimbursement benefit payable after satisfying your policy’s elimination period. Another choice will be to receive your cash benefit with no elimination period to satisfy.

You will be able to continue your benefits as long as you remain chronically ill and eligible for benefits. Your policy will continue paying your benefits for covered long-term care services until policy limit is reached.