long term care extension benefits advice law advice insurance advice community law advice case evaluation ask lawyer amp legal topics legal topics accident law bankruptcy law business law criminal law employment labor law estate planning family law financial law general practice government law immigration law insurance law intellectual property litigation malpractice law personal injury real estate law tax law small claims admiralty maritime aviation law insurance law topics insurance law topics insurance law basicsauto insurancebusiness insurancelong term caredisability insurancehealth insuranceinsurance bad faith life insurance lawproperty insuranceviaticals advice law advice insurance law long term care current long term care extension benefits written freeadvice staff insurance claim denied delayed case evaluation call provisions sample long term care insurance policy clearly state specific conditions benefits paid policies contain provisions similar outlined date policy lapses date receive written request cancel policy eligible benefits confined nursing hospice facility assisted living facility extend payment benefits covered services received long interruption remain eligible benefits remain confined subject elimination period terms policy benefits extended earliest date longer eligible benefits longer confined nursing hospice facility assisted living facility total lifetime benefit paid comment long term care insurance policy lapse means policy terminated failure pay premiums policy terminates days the grace period paying premium grace period usually days premium due date summarize eligible benefits certified chronically ill plan care place including qualified long term care services eligible confined facilities mentioned long term care insurance coverage lapses request cancel policy eligible benefits confined insurance company continue payment benefits covered services covered services diagnostic preventive therapeutic curing treating mitigating rehabilitative services maintenance personal care services maintenance personal care services basically care provides needed assistance chronically ill including custodial care assistance activities daily living bathing dressing transferring bed chair toileting continence eating longer confined facility extended benefit coverage stops coverage policy ends extended benefits longer eligible benefits happen recover sufficiently longer considered chronically ill finally total benefit limit shown schedule benefits reached benefits including extended benefits extended benefits really normal benefits available you paying premium wonder keep paying premium eligible benefits confined qualifying facility certain going recover sufficiently leave facility lose eligibility benefits probably discontinue paying premiums avail extended benefits think recover wise continue pay premium you long term care insurance apply policy recover policy subject underwriting based current age health apply policy probably far expensive current policy insurance claim denied delayed case evaluation call view related sample long term care policy provisions articles view faq insurance legal topics insurance attorney ask lawyer looking social read articlesinternational long term care coveragelimitations exclusions covered long term insurance policy coordination hellip long term care claims notice forms prooflong term care extension benefits long term care insurance policy schedule benefitslong term care policy riders inflation protection long term care policy riders paid premiums select practice area adoption support amp child custody arbitration aviation maritime amp boat accident banking bankruptcy business car accident civil rights amp ada collection construction contract copyright ip amp trademark criminal dui dwi divorce education law elder law employment environmental estate planning franchise general practice government healthcare nursing abuse immigration insurance international juvenile 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Long Term Care Extension of Benefits Free Advice Law Advice Insurance Advice Community Law Advice Free Case Evaluation Ask a Lawyer Q amp A Legal Topics All Legal Topics Accident Law Bankruptcy Law Business Law Criminal Law Employment Labor Law Estate Planning Family Law Financial Law General Practice Government Law Immigration Law Insurance Law Intellectual Property Litigation Malpractice Law Personal Injury Real Estate Law Tax Law Small Claims Admiralty Maritime Aviation Law Insurance Law Topics All Insurance Law Topics Insurance Law BasicsAuto InsuranceBusiness InsuranceLong Term CareDisability InsuranceHealth InsuranceInsurance Bad Faith Life Insurance LawProperty InsuranceViaticals Free Advice Law Advice Insurance Law Long Term Care Current Page Long Term Care Extension of Benefits Written by FreeAdvice Staff Insurance Claim Denied or Delayed Click here for a FREE Case Evaluation or call 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 If as of the date Your Policy Lapses or as of the date We receive a written request to cancel Your policy You are eligible for Benefits and are confined in a Nursing Home Hospice facility or Assisted Living Facility We will extend the payment of Benefits for Covered Services received so long as without interruption You remain eligible for Benefits and remain confined Subject to the Elimination Period and the terms of this Policy Benefits will be extended only until the earliest of the date You are no longer eligible for Benefits or You are no longer confined in a Nursing Home Hospice facility or Assisted Living Facility or Your Total Lifetime Benefit has been paid COMMENT A long term care insurance policy Lapse means the policy has been terminated because of a failure to pay premiums The policy actually terminates days after the end of the grace period for paying the premium The grace period is usually days after the premium due date To summarize to be eligible for Benefits you must be certified to be Chronically Ill and you must have a Plan of Care in place including the Qualified Long Term Care Services Not only must you be eligible you must also be confined in one of the three facilities mentioned above so if your long term care insurance coverage Lapses OR you request to cancel your policy AND you are eligible for Benefits AND you are confined the insurance company will continue the payment of Benefits for Covered Services Covered Services are diagnostic preventive therapeutic curing treating mitigating and rehabilitative services and Maintenance or Personal Care Services Maintenance or Personal Care Services is basically any care that provides needed assistance when you are Chronically Ill including Custodial Care and assistance with Activities of Daily Living bathing dressing transferring to and from bed or chair toileting continence and eating If you are no longer confined at the facility your Extended Benefit coverage stops and your coverage under the policy ends Your Extended Benefits will also end if you are no longer eligible for Benefits This might happen if you recover sufficiently to no longer be considered Chronically Ill Finally if your Total Benefit Limit shown on the Schedule of Benefits page is reached all of your benefits including your Extended Benefits will stop Extended Benefits are really nothing more than the normal benefits that would be available to you if you were paying the premium You might wonder why you should keep paying the premium once you are eligible for Benefits and confined in a qualifying facility If you are certain that you are not going to recover sufficiently to leave the facility or to lose your eligibility for Benefits you probably should discontinue paying premiums and avail yourself of the Extended Benefits But if you think you might recover you would be wise to continue to pay the premium If you stop you will be without long term care insurance and will have to re apply for a new policy when you recover Any new policy is subject to underwriting based on your current age and health when you re apply A new policy will probably be far more expensive than your current policy if you can get it at all Insurance Claim Denied or Delayed Click here for a FREE Case Evaluation or call View Related Sample Long Term Care Policy and Provisions Articles View the Next FAQ Insurance Homepage All Legal Topics Find a Insurance Attorney Ask a Lawyer Didn't find what you were looking for Make it Social Must Read ArticlesInternational Long Term Care CoverageLimitations and Exclusions What is Not Covered Under Long Term Insurance Policy Coordination hellip Long Term Care Claims Notice Forms ProofLong Term Care Extension of Benefits Long Term Care Insurance Policy Schedule of BenefitsLong Term Care POLICY RIDERS Inflation Protection Long Term Care Policy Riders Paid Up Premiums Select 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