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Frequently Asked Question

What conditions need to be met before benefits are disbursed?

Disbursement depends on the policy, but a policyholder must be unable to perform 2 of the 6 declared basic activities of daily living (bathing, eating, dressing, moving around, incontinence care or toileting) or have a cognitive impairment with certification that the condition will last more than 90 days, which triggers the start of eligibility. Then, a predetermined elimination period must pass before payment starts. Until the elimination period expires, the policyholder is responsible for costs incurred.