INSURANCE
POLICY FEATURES
Listed
are features you want to be aware of when
designing a plan to meet your needs.
-
Coverage
for Pre-existing conditions & Guarantee
Renewable
-
Mental
Illness and Alzheimer's coverage
-
Home,
Personal Care and Homemaker services,
Adult Day, Assisted Living and Hospice
Services
-
Equipment
and home modification, Caregiver Training,
Respite Care, Bed Reservation and Other
Care and Services
-
Survivorship
Benefit-Waiver of premium for a surviving
spouse should a sudden death occur.
-
Zero
Elimination for Home Care-Claims payment
from day one for the very place you
want to be
-
Premium
Waiver-when on claim
-
Premium
Stability-While the company reserves
the right to increase premiums, look
for a carrier that has a history of
not raising rates
-
Care
Coordination-a trained professional
to develop and help implement your plan
of care
-
Optional
Inflation Protection-allows for annual
increases in your benefit and lifetime
payment maximum
-
Restoration
of Benefit-if you use benefits and then
recover for 6 months, your lifetime
maximum will be restored
-
Non-Forfeiture
Riders-if your policy lapses, you'll
be provided a reduced paid-up lifetime
payment maximum
-
Choice
of Daily Benefit, Benefit Multiplier,
Elimination Period
Selecting
a long-term care insurance company is
an important decision. You need to find
a company you can trust to help protect
your assets, your lifestyle and your family
as you grow older. A company that is respected
and recognized as a leader in quality
service and products. A company with a
portfolio of insurance plans that offer
comprehensive benefits, and with a substantial
track record of paying claims.
