{"id":12049,"date":"2020-07-13T11:35:51","date_gmt":"2020-07-13T15:35:51","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=12049"},"modified":"2024-07-24T16:09:17","modified_gmt":"2024-07-24T20:09:17","slug":"how-do-i-make-a-long-term-care-insurance-claim","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/how-do-i-make-a-long-term-care-insurance-claim\/","title":{"rendered":"How do I make a long-term care insurance claim?"},"content":{"rendered":"

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Before you can file a claim for long-term care insurance benefits, you will want to make sure that you meet your policy\u2019s elimination period and at least one of its benefits triggers.<\/p>\n

An elimination period can be thought of as a deductible measured in time instead of money. It\u2019s a waiting period between when an illness or disability begins and when you start receiving benefits. During the elimination period, you are responsible for covering any expenses related to your care. Most long-term care insurance policies have an elimination period that lasts 30, 60 or 90 days.<\/span><\/p>\n

There are usually two events that trigger long-term care insurance benefits. They are experiencing either severe cognitive impairment or being unable to perform two activities of daily living such as dressing or feeding yourself.<\/p>\n

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How to File a Long-Term Care Insurance Claim<\/h2>\n

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Once you meet the elimination period and you (or your caretaker) believe you experienced a long-term care insurance benefits triggering event, it\u2019s best to file your claim as soon as possible. This will help ensure timely payment of benefits if you do qualify.<\/p>\n

These are the general steps to take when filing a claim for long-term care insurance:<\/p>\n