Most basic is how they pay out benefits. It’s universal that a medical professional has to certify that you cannot do two of the six Activities of Daily Living (ADLs) which are:
- bathing yourself
- dressing yourself
- ambulatory… ability to sit, stand and move
- eating
- continence… ability to control bladder and bowels
- toileting… going by yourself. Being able to get off and on the toilet, without aid.
In addition, a cognitive impairment like Alzheimers or Dementia will qualify you, even if you can still do all six of the ADLs.
Once it has been established that you qualify for payments, there are two main methods of payment. Most common is “reimbursement”. You send your monthly bills to the insurance company, and they send back a check. The other is “direct”. The check is sent to you at the beginning of the month and you choose how it is used.
Recent Comments