What is a Benefit Period?

In a long term care insurance (LTCI) policy, this is the limit to the total amount of benefit that can be paid.

While other kinds of insurance state a dollar amount of benefit, LTCI policies offer a certain number of days of covered services.

For example, in a nursing home, the insured is generally there everyday, but the person covered may only get 5 days per week in an adult day care facility or 3 days a week of therapy services.

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In Medicare, Part A, there is a $1260 deductible for a hospital stay.
If you come out of the hospital for 60 days and then go back in, this begins a new "benefit period" and a new deductible.
Watch: An Introduction to the Basics of Medicare
at IntroToMedicare.com
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