In other words, why shoud I trust the insurance company? All insurance companies, and especially LTC companies are heavily regulated and watched closely by all 50 states.   States monitor complaints to ensure compliance. Regulators work with the consumer and company to assist with payments. Often, regulators explain to consumers why a claim isn't being paid and advise the consumer what they need to do to complete the claim requirements. Listen and learn how may ways the Elimination Period is defined by different companies.  It's no wonder we get confused and frustrated. All the more reason to work with a LTC Specialist like me who understands these key differences and can explain them clearly so you know what you are considering. When you understand what you own, there won't be surprises later. Let me help you design your plan.  Schedule here https://calendly.com/diane-p4t/30min