NO, this is NOT the answer. Turbotax defines qualified long term care benefits as those provided by a 'licensed' health care practitioner for a 'chronically' ill individual. Neither of those are correct! licensed professional do NOT provide personal care services which are the services provided by NON licensed persons to assist affected clients in activities of daily living. this could be for a SHORT term as in an extended rehab period after surgery OR it could be for a chronically ill individual such as one who was affected by a stroke. When Turbotax asks how much the taxpayer paid for Qualified services....by Turbotax' erroneous definition...the answer will be 0 thus making all the benefits paid taxable. Medicare pays for licensed professional care, but not personal care. THAT's why people buy long term care insurance...for per diem coverage to assist with payment for personal care. Whoever wrote the Turbotax criteria is NOT familiar with Medicare and long term care regulations and terms. Turbotax needs to change that definition of qualified care and delete that statement that it has to be care from a licensed professional. Also definition needs to be changed from being chronically or terminally ill. Neither is required for long term care benefits.
