Long Term Care Insurance claim

Insurance claim

Claim Qualification：

▪ Constant supervision by another person because of deteriorated mental ability
OR
▪ Substantial physical assistance with at least two activities of daily living (dressing, bathing, eating, toileting, continence, transferring)
OR
▪ Stand-by assistance to perform bathing and transferring

You can make a claim under any of the above situations after the waiting period. You must make the claim immediately following the end of the waiting period and no later than 120 days from that date.

You will not be paid when you are outside Canada or the United States for more than eight consecutive weeks.

Palliative care (end-of-life care)
Regardless of the waiting period in your contract, you can submit a claim 30 days after you:
▪ require substantial physical assistance for at least four activities of daily living;
▪ have been diagnosed with a terminal disease, or illness by a qualified physician or another healthcare professional acceptable to us; and
▪ are receiving palliative care that’s supportive and provides comfort.

Paying benefit：

The benefit is calculated weekly and paid monthly.