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.

You have the option to choose how to receive policy benefits. 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.