Waiting Period

The waiting period under the Federal Long Term Care Insurance Program (FLTCIP) is 90 days. The waiting period is the number of calendar days during which you must be eligible for benefits before we will pay benefits.

We do not pay benefits for services you receive during your waiting period, except for hospice care, respite services and the stay-at-home benefit.

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.

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