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• About Initiating Claims

Qualifying for Benefits

If you apply for coverage and are approved, you will be eligible for benefits after your coverage becomes effective and when a licensed health care practitioner certifies, and we agree, that:

• You are unable to perform at least two of six activities of daily living (ADLs) without substantial assistance for a period expected to last at least 90 days; OR
   
• You require substantial supervision to protect yourself due to a severe cognitive impairment, such as Alzheimer's disease.

Benefits can begin (after the waiting period) as long as the covered services are part of a plan of care developed by a licensed health care practitioner and approved by us.

Once you qualify for benefits, you'll need to initiate a claim. Learn more about initiating claims here.