Little Known Key to Getting Long Term Care Insurance Benefits.
A Long Term Care Insurance (LTCI) policy will pay benefits only if the insured needs "substantial assistance", either in performing activities or daily living (ADL) or because of severe cognitive impairment.
Whey you are choosing a LTCI policy to buy, find out how the insurance company defines the term "substantial assistance".
Most companies will define this as needing "hands on" assistance to avoid danger to themselves.
Other companies will define it as needing "stand by" assistance.
A policy that allows for the "stand by" definition will be likely to pay benefits sooner than one that uses the more strict "hands on" requirement.
Many agents selling policies are not even aware that this difference exists. You should probably ask then to show you the policy's "definition of terms" to prove it..
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