Even if the policy's requirements are met, the insured must pay long-term care expenses during waiting, or elimination period. Typical waiting periods are:

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The typical waiting period for long-term care policies ranges from 90 to 100 days. This means that the insured must pay for their own long-term care expenses during this time period before the insurance policy kicks in to cover the costs.

Even If the Policy's Requirements Are Met, the Insured Must