Benefit Triggers

These are the common “triggers” or items in tax-qualified Long-Term Care policies which a policyholder must need help and assistance with in order to receive benefits. Generally, these include bathing, dressing, toileting, eating, transferring and continence and/or a person requires supervision due to cognitive impairment. With most Long-Term Care Insurance policies, a trigger would be met with either “hands-on” assistance or “standby” assistance