Adult day care is paid for by the policy if one of the benefit triggers
is activated and a dependent adult is taken to a center that typically provides intermediate or custodial type care.
For qualified contracts, the benefit triggers
are specified in the governing section of the Internal Revenue Code.
require specific, chronic conditions.
The 1996 Federal Health Insurance Portability and Accountability Act (HIPAA) covers all tax-qualified LTCI policies that have the two standard benefit triggers
for an insured to qualify for benefits.
Note that these revised standards provide the option for an insurance company to include benefit triggers
for temporary claims, but the standards do not require a company to do so.
The House has passed a broad TPIA bill that would include protection for group life insurers and a variety of other provisions, such as a reduction in benefit triggers
and protection against attacks involving weapons of mass destruction.
If a long-term care insurance policy is a "qualified" policy, the benefit triggers
are dictated in the Internal Revenue Code.
(such as inability to perform specified activities of daily living) had not been met.