What design does Long-Term Care insurance use to count days toward the Elimination Period?

Long-Term Care insurance typically uses the calendar day design to count days toward the Elimination Period. This method counts every day, including weekends and holidays, until the specified number of days in the Elimination Period is met. This approach ensures that the policyholder experiences a straightforward waiting period without any exclusions for certain types of days, which could delay access to benefits.

In contrast, the other options involve different methodologies that do not apply universally across days in the same manner as calendar day counting does. The per service day design, for example, would only count the days when care is actually received, which could prolong the waiting period based on care utilization. The monthly benefit and weekly benefit designs, likewise, do not align with the daily counting methodology that the calendar day design utilizes, as they focus instead on benefits provided over specified time frames rather than directly impacting the counting of waiting days. This distinction is crucial for understanding how the Elimination Period functions in Long-Term Care policies.