Waiting Period Before Benefits Begin

Waiting Period Before Benefits Begin:

Striking the Right Balance

When planning for long-term care, there’s one little detail that can have a big impact on your coverage: the waiting period before your benefits kick in. It’s also known as an “elimination period,” but let’s keep things simple and just call it what it is—a short waiting game before you can access your benefits.

What Is the Waiting Period?

The waiting period is the time you’ll need to pay for care out of pocket before your insurance coverage starts. Depending on your plan, this could range from 30 days to 90 days, or even longer. Think of it as a deductible, but with time instead of money.

Choosing the right waiting period is all about balance. A shorter waiting period means less out-of-pocket expense upfront, but it might come with higher premiums. A longer waiting period could lower your premiums, but you’ll need to be prepared to cover more costs on your own at the start.

Let’s Figure It Out Together!

Feeling a little stuck? Don’t worry—you’re not alone. Deciding on a waiting period can feel like a guessing game, but it doesn’t have to be.



I’m here to help you weigh the pros and cons and find the right waiting period for your situation. Together, we’ll make sure your long-term care plan is tailored to your needs, giving you confidence for whatever the future holds.

Reach out to me today with your questions. Whether you’re just starting your research or ready to build your plan, I’m here to guide you every step of the way.

Because when it comes to long-term care, the right start can make all the difference.