Quick Answer
Substantial assistance involves needing hands-on or standby assistance with at least two or more activities of daily living.
Detailed Answer
Substantial assistance is defined as needing help performing at least two activities of daily living. It's also defined as needing either hands-on assistance or standby assistance.
Policyholders must have a substantial need for assistance to start receiving benefits from their tax-qualified Long-Term Care Insurance policy.
LTC News Trusted & Verified
Work With a Trusted Specialist
Get Accurate Long-Term Care Insurance Quotes
- Has substantial experience in Long-Term Care Insurance
- Strong understanding of underwriting, policy design, and claims experience
- Represents all or most of all the leading insurance companies
