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Bed Reservations Benefit

Quick Answer

If you are receiving benefits under a Long-Term Care policy and you need to leave a facility (assisted living facility, memory care facility, or nursing home) the policy will continue to pay to “reserve” your room or bed at the facility even though you are not there. The most common reason people need to leave a facility is to go to a hospital or rehab facility. This is important since the facility will either charge you for the room while you are away or you and your family may find the room is no longer available.

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Detailed Answer

If you are receiving benefits under a Long-Term Care policy and you need to leave a facility (assisted living facility, memory care facility, or nursing home) the policy will continue to pay to “reserve” your room or bed at the facility even though you are not there. The most common reason people need to leave a facility is to go to a hospital or rehab facility. This is important since the facility will either charge you for the room while you are away or you and your family may find the room is no longer available. There is a limit on how many days your bed will be reserved depending on the policy language.

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