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• About Initiating Claims

Qualifying for Benefits

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

• You are unable to perform at least two of the 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 you have chosen, as long as the covered services are part of an approved plan of care developed by a licensed health care practitioner of your choice and approved by us.

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