CASH BENEFIT*: Pays 25% of the policy’s home health care benefit, up to an initial maximum of $2,000 each month.1

HOME HEALTH CARE: Pays up to 100% of the policy’s monthly benefit for:

·Personal care services to assist with the activities of daily living2 

·Homemaker services to help with housekeeping, grocery shopping and meal preparation 

·Professional services of a nurse, home health aide or therapist ·Adult day care  

CARE COORDINATION*: Includes the services of a licensed health care professional who will assess your needs, develop an individualized plan of care and help you arrange for services. In addition, the use of a care coordinator makes you eligible for additional benefits designed to help you remain safely in your home.

FACILTY CARE: Pays up to 100% of the policy’s monthly benefit for care received in an assisted living facility or nursing home.

RESPITE CARE*: Pays to hire a temporary caregiver up to one month per calendar year to give your unpaid caregiver a needed break

HOSPICE CARE*: Pays for hospice care services in any setting

INTERANTIONAL BENEFIT: Pays up the policy’s maximum monthly benefit for up to 12 months should you need covered services while traveling outside the United States, Canada or the United Kingdom.

WAIVER OF PREMIUM: Waivers your premium payment while you are receiving benefits for covered services at home, in an assisted living facility or nursing home.

  ALTERNATE CARE: May provide coverage for qualified treatments or services not specifically listed in the policy when recommended by a care coordinator

REFUND OF PREMIUM: If you die before age 65, and your policy is in force, insurer will refund the full amount of your premiums paid, minus any claim s paid, to your designated beneficiary.

HOSPICE CARE: Provides palliative care to alleviate your physical and emotional discomforts and is available in your home or in a licensed or certified facility if you become terminally ill. You do not need to satisfy an elimination period to receive this benefit.

BED RESERVATION: Pays to reserve your room or bed while you are temporarily absent from your stay in the cupboard facility. This can include time spent celebrating a holiday, visiting your family or temporarily entering a hospital. If you are charged a fee to reserve your accommodation in the cupboard facility, we will reimburse you for up to 60 days per calendar year for the live of the policy.

1. Can be used for any expense i.e., bills, mortgage, loans

2. Dressing, bathing, toileting, etc.