Long Term Care Insurance Center
Long Term Care Insurance Q & As
Question 3 of 3 in Claims
What is the difference between benefits paid on the reimbursement method and the indemnity method?
Under the indemnity method, once you are eligible to receive benefits, the company will pay you the amount specified in the policy, regardless of the cost of service. Under the reimbursement method, the insurer will pay all or a portion of the actual expenses you incur, up to the maximum stated in the policy.