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What is a long term care insurance elimination period?

Dad has just been hospitalized due to Parkinsons complications and will no longer be able to live at home so we are making arrangements for assisted living. I was looking through his long term care insurance policy and it talks about an "Elimination Period". What exactly does that mean?
Status: Open    Jul 14, 2015 - 08:35 AM


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Jul 14, 2015 - 11:12 AM

An Elimination Period (also known as a Deductible Period or Benefit Waiting Period) is a specific amount of time at the beginning of care during which your dad would receive covered services, but the policy does not pay benefits. The policy will specify the triggers for the elimination period and how the period is satisfied prior to benefits being paid. Elimination periods normally range between 0 and 100 days.

Aug 27, 2015 - 11:37 AM

Check the policy closely. Some require these days to be actual service days others count all days between the start of service and days between last service as "cumulative days." For example 3 days of service in a week counts as 7 days of elimination period. Some carriers will back date, some won't. The carrier can get you the specifics when you make the initial claim.
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