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Benefits Provided by the Federal Program
Waiting Period
The Waiting Period is the number of days during which you must be eligible for benefits and receiving covered services that you or other insurance pay for before we will pay benefits. The Waiting Period applies to payment of benefits for all covered services unless otherwise stated. You only have to satisfy the Waiting Period once in your lifetime. Days applied toward satisfying the Waiting Period need not be consecutive, nor associated with the same episode of care. The days will be added together until the Waiting Period is satisfied. You have the choice of a 30 Day or 90 Day Waiting Period. We do not pay benefits for services you receive during your Waiting Period, except as stated below.
The Waiting Period does not apply to hospice care, respite services and caregiver training. Because we do not apply the Waiting Period to hospice care, respite services and caregiver training, these covered services do not count toward meeting your Waiting Period.
You will not have to pay your premiums if you are eligible for benefits and have satisfied the Waiting Period. We will also waive your premiums if you are eligible for benefits and receiving hospice care. If you satisfy the requirements for waiver of premium on the first day of a month, the waiver will take effect on that date. Otherwise, the waiver will take effect on the first day of the following month.
If, at a later date, you are no longer eligible for benefits (e.g., you recover) and wish to maintain your coverage, you will have to resume paying your premiums on the first day of the month following the month in which you are no longer eligible for benefits.
| Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557) |
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