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A coverage trigger in long-term care insurance refers to a specific event or condition that must occur for benefits to be activated. This is a crucial aspect of long-term care policies because it defines when the insured individual becomes eligible to receive benefits. Common triggers include the inability to perform certain activities of daily living (ADLs), such as bathing, dressing, or eating, or the necessity for supervision due to cognitive impairment.

Understanding coverage triggers is vital for policyholders since these criteria can vary among different insurance products. Recognizing what qualifies as a trigger connects to how and when an individual can access the resources needed for long-term care, ultimately affecting their financial planning and health management strategies.