Does a neuropathy diagnosis automatically qualify someone for Long-Term Care Insurance benefits?
Answer:
No. A diagnosis alone generally does not trigger benefits under a qualified Long-Term Care Insurance policy. Benefits are typically based on functional or cognitive impairment. Generally, a person must be certified as chronically ill because they need substantial assistance with at least two of the six activities of daily living for an expected period of at least 90 days, or require substantial supervision because of severe cognitive impairment, subject to the policy's specific terms and elimination period.