How the BP Group Long-Term Care Insurance Plan works

Important information about how the long-term care plan works

Long-term care provides benefits that can help you manage the financial burden of long-term custodial care if you have a qualifying loss of functional capacity or cognitive impairment and have completed the qualification period requirement.

You are considered to have a qualifying loss of functional capacity if you cannot perform at least two of the activities of daily living without substantial assistance by another person that is expected to last for at least 90 days. Activities of daily living are:

  • Bathing
  • Dressing
  • Eating
  • Maintaining continence
  • Toileting
  • Transferring

A qualifying loss of functional capacity must be due to either physical incapacity resulting from illness, injury and the effects of aging or you may also qualify for benefits if you have a cognitive impairment that requires you to need substantial supervision for protection of yourself or others due to mental incapacity as a result of a diagnosed irreversible organic mental impairment, such as Alzheimer’s disease.


Publication date: April 2017


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