Benefits under most long-term care (LTC) insurance policies are typically triggered when the insured:

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LTC benefits are usually triggered when the insured cannot perform a set number (commonly two) of the activities of daily living, such as bathing, dressing, eating, toileting, transferring, and continence, or suffers a severe cognitive impairment like Alzheimer's disease. Simply reaching an age does not trigger benefits. LTC is not the same as hospital coverage; it pays for custodial and long-term care such as nursing home or home care. Loss of employment is unrelated to LTC eligibility.