Respite Care Benefits

The provisions in the sample long term care insurance policy clearly state the specific conditions under which benefits will be paid. Most policies contain provisions similar to those outlined below.

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“Respite Care” means Covered Services from a Formal Caregiver that provides temporary relief for the Informal Caregiver. These Covered Services may be received in a Nursing Home, Hospice facility, Assisted Living Facility, at Home, or in an Adult Day Care Center.

We will pay up to the Maximum Daily Benefit Amount for Respite Care shown on the Schedule of Benefits page, for actual charges You incur, based on the type of service received, for a maximum of twenty-one days per Policy Year.

If You receive more than one type of Respite Care service on the same day, the Maximum Daily Benefit Amount payable is the highest Respite Care Daily Benefit Amountthat relates to the services rendered.

You do not need to satisfy the Elimination Period for Respite Care Benefits to be payable. Receipt of Respite Care will not count toward satisfying the Elimination Period. Payment of these Benefits will reduce the Maximum Daily Benefit Amountsotherwise available.