What are the Long Term Care Benefits?

A Long Term Care benefit will be paid to you if you become disabled according to the policy schedule. The amount of the monthly payment will depend upon:

  • The Long Term Care plan of coverage you choose;
  • Any options you choose; and
  • The place of residence used for long term care.

Plans of this category are designed to provide coverage for one or more necessary or medically necessary diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services, provided in a setting other than an acute care unit of a hospital, such as in a nursing home, in the community, or in the home.

You are eligible for a monthly benefit if you are assessed as suffering a covered loss of functional capacity and are unable to perform two or more Activities of Daily Living (ADLs) or cognitive impairment. You must be under the regular care of a physician according to the condition.