What is the minimum duration an individual must be unable to perform at least two ADLs to qualify for long-term care benefits?

To qualify for long-term care benefits, an individual must demonstrate a significant need for assistance due to a loss of functional capacity. Specifically, being unable to perform at least two Activities of Daily Living (ADLs) typically must last for a minimum duration of 90 days. This time frame is established to ensure that the need for care is not temporary and that the individual requires ongoing support.

Long-term care insurance policies often define this criterion to ascertain the individual's health status and the necessity of receiving long-term care services. The 90-day duration allows for a measure of stability in the individual's condition, setting an appropriate threshold for the insurer to assess the situation. Policies designed around long-term care are intended to provide coverage for those who are experiencing lasting challenges in their day-to-day living due to age, illness, or disability.