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Elimination Period

Quick Answer

This is the time, expressed as a number of days, between when an individual qualifies for benefits under a Long-Term Care Insurance policy and starts receiving care and the day they start receiving benefits from the policy. An elimination, or waiting period, is like a "deductible" in a health or auto insurance policy; it's the period of time the policyholder is responsible prior to the insurance company starts paying benefits. 

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Detailed Answer

This is the time, expressed as a number of days, between when an individual qualifies for benefits under a Long-Term Care Insurance policy and starts receiving care and the day they start receiving benefits from the policy. An elimination, or waiting period, is like a "deductible" in a health or auto insurance policy; it's the period of time the policyholder is responsible prior to the insurance company starts paying benefits. Generally, it is a once-in-a-lifetime period, not once per occurrence. Common elimination periods include 0 days, 30 days, 60 days, and 90 days.

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