Orderly format. Moderately challenging language that an average consumer should understand. The average consumer may have some difficulty in determining how and when benefits are payable.

Orderly format. Concise language that an average consumer should easily understand. The average consumer should have little to no difficulty in determining how and when benefits are payable.

Standard definition.

Standard definition.

Provides Qualified Long Term Care Services which may include: equipment purchases or rentals, permanent or temporary modifications to the residence (i.e. ramps or rails), or care services not normally covered under the Home and Community Based Services Benefit. Company reserves right to make final decision on requests under Alternate Plan of Care benefit.

If otherwise eligible for benefits company may pay for services written under an Alternate Plan of Care. Must be a cost effective plan to provide benefits.

Standard definition.

Standard definition.

Covers up to 30 days per calendar year for any reason.

Covers up to 60 days per calendar year for any reason.

Reimbursement. Home Health Care paid on a daily basis.

Reimbursement. Home Health Care paid on a monthly basis.

Called Personal Care Advisor. Not required to receive benefits. Does not count against Lifetime Maximum. Company will provide access to Personal Care Advisor upon request.

Not required to receive benefits. Provides Resource Advisor at no cost through toll-free number. Will arrange Care Coordination at no cost if additional assistance is required.

Covered. No specific dollar amount listed in specimen policy.

Pays up to 20% of the monthly Facility Care Benefit at time of claim.

Must be satisfied only once over the life of the policy. Days need not be consecutive.

Calendar Day Elimination Period. Must be satisfied only once over the life of the policy. Need not incur expense.

Excludes: care by a person in your family; care in excess of thirty days per year during a single claim period outside the US or Canada; care provided in facilities primarily for the treatment of alcohol or drug addiction and care provided in facilities primarily for treatment of Mental or Nervous Disorders.

Excludes: intentionally self-inflicted injury or attempted suicide; alcoholism or drug addiction; injuries or sickness resulting from an act of war (whether declared or undeclared); and care outside of the US or its territories, except as described in the International Coverage.

Standard definition. Paid on a daily basis.

Standard definition. Paid on a monthly basis.

May be considered under Alternate Plan of Care.

Covered up to a lifetime maximum equal to 2 times the monthly Facility Care Benefit at time of claim.

Included under definition of Home Health Care.

Included.

Not listed as a benefit.

Not listed as a benefit.

Pays up to 30 days per calendar year during a Single Claim Period.

Provides Out-of-Country Nursing Home coverage while insured is confined as a resident inpatient. (Care Coordination not available w/International Coverage). Lifetime maximum equal to 1 month Facility Care Benefit.

May be considered under the Alternate Plan of Care.

Covered under Home First Benefit (See Notes)

Standard definition.

Standard definition.

May be prepared by any Licensed Health Care Practitioner.

May be prepared by any Licensed Health Care Practitioner.

Standard HIPAA - TQ definition. Includes Standby Assistance. Transferring definition does not include Mobility.

Standard HIPAA - TQ definition, but does not include language indicating that the condition be expected to last for a period of 90 days. Includes Standby Assistance. Transferring definition does not include Mobility.

Covers up to 30 days per calendar year.

Covers up to 30 days per calendar year.

Offered as a rider, additional premium required.

Included

May be considered under Alternate Plan of Care.

Covered under Home First Benefit (See Notes)

Waives premiums if insured has been confined in a facility for 90 days (can be nonconsecutive). Does not waive for Home Health Care. Additional 90 day waiting period for waiver if confinements separated by more that 180 days. Refunds unearned premiums.

After insured has been eligible for a period of at least 6 months will waive all future premiums according to payment mode in affect at time of eligibility. Does not refund unearned premium. Need not incur expense. Waiver does not apply to International Coverage.

5 Year Rate Guarantee.

Ambulance Service Benefit $75 per trip, Lifetime Maximum $300; First Time Cash Benefit, first time isured is eligible for benefits pays a one-time benefit of $1000.