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[0] When are benefits paid? [1] When the individual is totally or partially disabled and unable to work as a result of an accident or a sickness. [2] When an individual suffers a specified Critical Conditions (listed in the contract) and survives that condition for a period of generally 30 days. [3] 
When an individual is unable to perform two or more activities of daily living and/or requires continual supervision due to a cognitive impairment.
Long-Term Care Insurance is one method to help fund my care-years, What is long-term care insurance
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