Quote:
Originally Posted by retiredguy123
One thing about LTC insurance that has always bothered me is what do you do if the insurance company denies your claim because they say you are not sick enough? How can you trust the company to pay up when you need it?
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Necessary qualifications will be spelled out in the policy. Usually based on ADL's (Activities of Daily Living). If certified by a licensed health care practitioner that you are unable to perform a specified number of ADLs without assistance (dressing, eating, bathing, etc.), and you receive that assistance in accordance with your policy, they pay.