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How Much Is the Benefit?

LTCI policies can feature a few different payment methods. For example, the disability method pays out a daily benefit amount to an eligible policyholder whether they are receiving long-term care services or not. The indemnity method pays a policyholder directly in the form of a preset dollar amount regardless of the costs they incur. These stipulations vary by policy.

How Long Will the Benefits Last?

Benefit limits differ from policy to policy. Some policies state a maximum benefit limit in years (i.e., one year, three years or even the remainder of the policyholder’s lifetime), while others state a maximum total dollar amount that will be paid. This is important to know for planning purposes. If the policyholder has just been diagnosed with mild Alzheimer’s disease and the benefit only lasts three years, it may be wise to let some time pass before filing a claim. Individuals with dementia can live for many years. As their condition progresses, they will require more intensive care that can be very expensive. Filing a claim “too early” might leave the policyholder with no coverage later on when their needs have increased. Unless they (or their family members) can afford to pay out of pocket, they will likely need to apply for Medicaid to cover their remaining long-term care costs.

What Are the Benefit Triggers?

A policyholder must meet certain conditions or “benefit triggers” to become eligible for long-term care benefits. Most policies require a policyholder to need assistance with at least two activities of daily living (ADLs) to qualify. Be sure to clarify whether stand-by assistance is sufficient to trigger benefits or if the policyholder must require actual hands-on assistance with ADLs. Some policies require a doctor to certify that long-term care services are medically necessary for the policyholder before they will pay benefits. Each insurance company and individual policy handles these criteria differently, especially for policyholders with cognitive impairment.

What Kind of Care Does the Policy Cover?

Does the policy cover in-home care, and what level of services qualify? Does the policy only cover skilled nursing care, or are custodial care services included, too? If care will be provided in a facility like a nursing home or an assisted living community, is the specific facility an eligible care provider under the policy? Some policies will cover home modifications or even pay certain family members to provide care for the policyholder. There are many levels and types of elder care available, so it is crucial to know which of those included in a senior’s care plan are eligible for coverage.

Is There a Waiver of Premium?

Most policies contain a premium waiver clause. Once a claim is filed and approved, premiums are waived and no longer have to be paid. This may take effect once the first benefit has been paid, or after benefits have been paid for a certain number of days. Long-term care insurance premiums typically increase every year and can be very expensive, so be sure to check if this applies.

Is There an Elimination Period?

Like a deductible on how to buy hospital bed to buy health insurance, this is usually a period of time (instead of a set monetary amount) during which care costs will have to be paid for out of pocket before coverage kicks in. According to, “Some policies specify that in order to satisfy an elimination period, the policyholder must receive paid care or pay for services out of pocket for the duration of said period.” Some plans have a zero-day elimination period so benefits can begin immediately, but others may have a 60-day, 90-day or even 120-day requirement. If a policy has a longer elimination period, a considerable sum of money may still have to be paid out of pocket to begin coverage.

Are There Coverage Exclusions?

Many policies will not cover care needs that result from drug and alcohol abuse, mental health disorders or self-inflicted injuries. Make sure your loved one’s health conditions do not prevent them from receiving the benefits they paid into.

Is There a Death Benefit?

A death benefit is a lump-sum payment to a policyholder’s chosen beneficiary. Combination long-term care insurance policies with death benefits have only become popular in recent years, so if a policy was purchased some time ago, it probably does not have this feature. This means that if the policy is not used, the benefit is lost. Medicare does not cover the costs of long-term care, so it is important to take advantage of LTCI benefits if they are available.

5 Documents Needed to File a Long-Term Care Insurance Claim

Once all the above questions have been answered, the policyholder and their family can make an informed decision about care options. When you are ready to file a claim for long-term care insurance benefits, you will need to obtain and fill out an initial claim “packet” or claim initiation kit.


Each company’s insurance claim forms will be different, and some even make their forms available online. The following components may be combined or have different names, but a claim packet will typically include the following five items.

Policyholder Statement

Also known as a claimant’s statement, individual statement, insured’s statement or care support history, this set of forms will require basic information about the policyholder (e.g., name, address, phone number, date of birth, policy number). It will also ask for explanations regarding the reasons for submitting the claim, including which activities of daily living help is needed with and how long assistance will be required. This component usually includes sections related to hospitalization and medical history as well. The policyholder (or their legal representative/agent under power of attorney) must sign this multi-page statement.

Attending Physician Statement

This form is completed by the policyholder’s primary care physician (or the doctor at their long-term care facility) and verifies that the care they require is medically necessary. The physician may need to attach test results, office notes, medical records and other supporting documentation to this statement.

Nursing Assessment and Plan of Care

Most insurance companies will not approve a long-term care insurance claim without a nursing assessment and/or a prescribed plan of care. Sometimes these components will be included in the physician’s statement mentioned above. The policyholder’s care provider should have a nurse on staff who can conduct and write up this initial assessment, which will include vital sign measurements, demographic information and medical history. The nurse will also complete the care plan, which describes the type of care required in detail. A physician, licensed practical nurse (LPN), or social worker may have to sign to certify this information is accurate.