When should I file a Long-Term Care Insurance claim?

Answer:

You should begin the claims process as soon as you or your loved one meets the policy's benefit eligibility requirements. Most qualified Long-Term Care Insurance policies begin paying benefits when a licensed healthcare professional certifies that the insured requires substantial assistance with at least two of the six Activities of Daily Living (ADLs) expected to last at least 90 days or requires substantial supervision because of severe cognitive impairment. Waiting too long can delay access to benefits and quality care.