How do you
become eligible to receive policy benefits?
You become eligible to receive
benefits from your Long-Term Care Insurance policy once a licensed
healthcare practitioner certifies you as chronically ill. This
means:
1. Being unable to perform (without
substantial assistance from another individual) at least 2 of the
following 6 activities of Daily Living for a period for at least 90
days due to a loss of functional capacity.
| Bathing
|
Washing
yourself by sponge bath: or in either a tub or shower,
including the task of getting into or out of the tub |
| Dressing |
Putting
on and taking off all items of clothing and any necessary
braces, fasteners and artificial limbs. |
| Eating |
Feeding
yourself by getting food into your body from a receptacle
(such as a plate, cup or table) or by a feeding tube or
intranvenously. |
| Transferring |
Sufficient
mobility to move into and out of a bed, chair, or wheelchair
or to move from place to place, either via walking, a
wheelchair or other means. |
| Toileting |
Getting
to and from the toilet, getting on and off the toilet, and
performing associated personal hygiene. |
| Continence |
The
ability to maintain control of bowel and bladder function,
or when unable to maintain control of bowel or bladder
function, the ability to perform associated personal hygiene
including caring for catheter or colostomy bag. |
OR
2. Have a level of disability similar
(as determined under regulations prescribed by the Secretary of Consultation
with the Secretary of Health and Human Services) to the
level of disability described in number 1.
OR
3. You require substantial supervision to protect yourself from
threats to health and safety due to severe Cognitive Impairment.
And
you satisfy the policy elimination period. This is the number of days
in which you receive qualified long-term care services before your
policy begins to pay benefits. You can select either a 30- or 90-day
elimination period. You only need to satisfy the elimination period
once during your lifetime.
|
