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I have a similar question.  From some of the research on the web, it appears that the taxpayer wouldn't have to pay tax on this.  It says if the policy only pays benefits that reimburse you for qualified long term care expenses you will not owe federal income tax on these benefits.

What's everyone's opinion?

"if the policy only pays benefits that reimburse you for qualified long term care expenses you will not owe federal income tax on these benefits."

That's true.

The only reason why I thought it's a reimbursed amount is because there's a box on form 1099-LTC with an x next to the Reimbursed Amount.

Just saying in case anybody else comes across this.

Thank you!