Long-term care

A licensed health care practitioner must certify you are chronically ill and submit a plan of care prescribing long-term care services. 

When you purchase a long-term care insurance policy, you will select an elimination period during which time any costs for long-term care services are your responsibility. 

Once you become eligible for benefits you have the option to choose how benefits are paid to you. A traditional reimbursement benefit is payable after satisfying your policy's elimination period. Or you can elect to receive a cash benefit with no elimination period to satisfy. 

 As long as you remain chronically ill and eligible for benefits, your policy will continue paying for covered long-term care services until your policy limit is reached.