Most Long Term Care Insurance policies sold today are considered Tax-Qualified, with a this type of policy you are eligible to receive your Long Term Care Insurance benefits when a licensed health care practitioner can verify that you are unable to perform 2 of the 6 activities of daily living (ADL's) for at least 90 days. These include eating, bathing, dressing, toileting, continence, or transferring. Or you suffer from a cognitive impairment such as Alzheimer's, Dementia, Stoke, etc.
Most older policies required one to have a prior hospital stay for 3 days prior to being eligible for Long Term Insurance benefits. Which makes it harder to receive benefits. As you can see with new policies it would not be too difficult to be eligible for your benefits.
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