An elimination period (waiting period) is the time you must pay for care yourself — or receive care that counts toward the waiting period — before your long-term care insurance benefits begin paying.
Policies differ on whether days must be consecutive, whether care must be received each day, and whether private pay or informal help counts.
Planning care around the elimination period
Families often start personal care or respite visits during the elimination period using private pay, then transition to LTC billing once benefits activate. Share your policy summary early so your coordinator can suggest a realistic timeline.
After benefits begin
When triggers are met and the elimination period is satisfied, Tri-State can often bill your carrier directly if your policy allows. Keep your claims contact updated and respond promptly to insurer requests.
Questions for your carrier
Ask how your policy counts elimination days, whether home care qualifies, and what documentation starts the clock. Then call Tri-State to align your care schedule with those answers.