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What qualifies someone for benefits under a long term care insurance policy?

Qualifying for Benefits

Each long term care insurance plan provider would have a different definition of what constitutes long term care, but generally speaking it is used to describe any chronic or disabling condition that requires skilled nursing care or constant supervision. This is usually the qualification considered for receiving long term care benefits.

Typical triggers to qualify for long-term care benefits include an individual being unable to eat, walk, get from bed to a chair, dress, bath, or use a toilet without assistance.

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