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Substantial Assistance

What Does 'Substantial Assistance' Mean?

Tax-qualified Long-Term Care policies require a policyholder to need "substantial assistance" in performing at least two activities of daily living in order to receive benefits. "Substantial Assistance" is defined as either "hands-on assistance" or "standby assistance".

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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.