Long Term Care Benefits

To be eligible to receive long term care benefits the insured must be assessed and certified as having a Chronic Illness or Disability. Generally, this means the insured is unable to perform, without Substantial Assistance, at least two out of six Activities of Daily Living (ADLs), for at least 90 consecutive days.
You may also be eligible for benefit if you have a Severe Cognitive Impairment that requires supervision to protect you from harm.

What happens after I’ve been assessed?
Once the result of the assessment has been review by the long term care insurance company they will advise you of your eligible benefits, including waiting period and claim forms. When the waiting period has been completed claims will be considered under the terms and conditions of your coverage.