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.

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.

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

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

Reimbursement. Home Health Care paid on a monthly basis.

Reimbursement. Home Health Care paid on a daily basis.

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.

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.

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

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

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.

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.

Standard definition. Paid on a monthly basis.

Standard definition. Paid on a daily basis.

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

May be considered under Alternate Plan of Care.

Covered under Home First Benefit (See Notes)

May be considered under the Alternate Plan of Care.

Included

Offered as a rider, additional premium required.

Covered under Home First Benefit (See Notes)

May be considered under Alternate Plan of Care.

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.

5 Year Rate Guarantee.