Elimination Period

The period of time during which an insured is disabled and receiving long term care services, but no benefit is payable. Also known as a “waiting period.” Typically, LTC insurance policies require that the Elimination Period only be fulfilled once in a lifetime. Depending on the insurance policy, the elimination period may be fulfilled based on dates of service, calendar days of disability, or some variation thereof (e.g., each date of service within a calendar week may count as seven dates of service).