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• Facilities-Only or Comprehensive
• Daily Benefit Amount
• Benefit Period
• Waiting Period
• Inflation Protection Option

Waiting Period

This is the number of days you would have to be eligible for benefits and receive covered services before your benefits start. During your Waiting Period, you are responsible for the cost of your care.

The FLTCIP offers two options: 30 Days and 90 Days. (If you choose the 90 Day Waiting Period, your premiums will be lower.)

The Waiting Period you choose applies to most services under the Program except for hospice care, caregiver training and respite services, which have no Waiting Period. Days applied toward satisfying the waiting period need not be consecutive, nor associated with the same episode of care.

The Waiting Period for home care and facility care is the same. Days on which you receive informal care and incur an expense also count towards the Waiting Period.

You only have to satisfy the Waiting Period once in your lifetime.