什麼是合格的長期護理保險合同？
什麼是合格的長期護理保險合同？
 The term "qualified" should really be "tax-qualified". A tax-qualified long-term care insurance policy (TQ) is one that pays out benefits that are not subject (in most cases) to income taxation in the year that they are received by the policy owner. (See "NOTE", below.) The benefits paid out froma "non-qualified" long-term care policy (NTQ) may be subject to income tax in the year that they are received. Policies purchased prior to 1998 should be reviewed by a qualified tax advisor for any questions about taxation of benefits. Legislation in 1996 allowed for federal exemption from benefit payout taxationfor policies purchased after a certain datethat metspecific requirements outlined in that legislation. NOTE: LTC insurance policies that payout their benefit as a cash amount (indemnity policies) may exceed the government-allowed limit on how much of that benefit can be considered "tax-qualified". If you have one of those types of policies, consult with the carrier's policy owner service unit to determine how your benefits might be paid out should you qualify for care. Some carriers will only payout a cash benefit up to the federally-mandated limit to avoid triggering a 1099 being sent to the IRS. But, it's better to check than be surprised.
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