Long Term Care Insurance Center
Long Term Care Insurance Q & As
Question 2 of 12 in Basics
How long is "long-term"?
"Long term" cannot be uniquely defined. In 1996, the Federal government effectively defined a "long-term" need for assistance as one that lasts at least 90 days. Some policies provide coverage on the first day that the insured person meets the criteria for benefits. Others require 30, 60, 90, or 120 days of assistance before benefits become payable.