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1 PRUDENTIAL S GROUP INSURANCE Get Peak Protection for You and Your Family Prudential Long Term Care Solid Solutions SM Enrollment Enrollment Period: April 17 to May 1, 2012 The Prudential Insurance Company of America (Prudential)

2 Peak Protection FROM A NAME YOU KNOW AND TRUST A Special Opportunity to Enroll Prudential Long Term Care Solid Solutions SM For You For Your Family Members Spouse Parents and Parents-In-law Grandparents and Grandparents-In-law Adult Child Spouse of Adult Child Siblings Retirees 2

3 You are qualified for coverage now. For Actively at work, permanent, regular full-time and part-time employees who work at least 20 hours per week. For Your Family: Spouse Parents / Parents-In-Law Grandparents / Grandparents-In-Law Retiree / Retiree Spouse Adult Child and their spouse Siblings Coverage is guaranteed, provided you enroll and you are actively-at-work on the effective date of coverage. After the enrollment period, evidence of insurability is required. For Eligible Family Members: Evidence of insurability is required at time of enrollment. For Retirees & their Spouses : Evidence of insurability is required at time of enrollment. 3

4 Peak Protection FROM A NAME YOU KNOW AND TRUST Let s talk What is long-term care? Why is long-term care insurance needed? What kind of coverage can you get? Why should you buy it now? How and when can you enroll? 4

5 Peak Protection FROM A NAME YOU KNOW AND TRUST What is long-term care? 5

6 What is long-term care? Long-term care involves The help or supervision provided for someone with a severe cognitive impairment or who requires assistance with the activities of daily living because of a chronic illness or disability. Care Received In Care Provided By Home Adult day care Assisted living/residential care facility Nursing home Hospice Health care professionals (nurses and therapists) Non-professional individuals (family and friends) 6

7 Long-term care assists with Activities of Daily Living (ADLs) Bathing Dressing Eating Cognitive Impairment OR Toileting Continence Transferring Severe loss or deterioration of intellectual capacity 7

8 Peak Protection FROM A NAME YOU KNOW AND TRUST Why is long-term care insurance advisable? 8

9 Get financial support. Prudential Long Term Care Insurance Helps you maintain financial independence and preserve assets. Allows you to choose who provides your care and where you receive it based on your approved plan of care. Helps provide better care/life balance during a difficult period. 9

10 Annual costs can be significant. $78,475 $82,490 Nursing Home (semi-private room) (Average stay = 2.4 years) Assisted Living Residential Care Facility $35,160 $34,800 National Average Maryland Long-Term Care Cost Study Prudential Research Report, March 2010, 10

11 You and your family may not be protected. Health Insurance Disability Income Insurance Medicare Medicaid/MediCal* No coverage. Typically, no long-term care coverage. Limited coverage up to 100 days per benefit period with restrictions. Limited coverage after you ve spent down your assets. *MediCal is the Medicaid Program in California 11

12 Peak Protection FROM A NAME YOU KNOW AND TRUST What kind of coverage can you get? 12

13 You select your coverage amount Plan Facility Daily Benefit (FDB) Nursing home care and an assisted living/residential care facility $100 $150 $200 $250 Home Care Benefit (50% of FDB you selected) $50 $75 $100 $125 Lifetime Maximum (FDB you selected x 365 days x 3 years) $109,500 $164,250 $219,000 $273,750 Your Pool of Money 13

14 You select your coverage amount Plan Facility Daily Benefit (FDB) Nursing home care and an assisted living/residential care facility $100 $150 $200 $250 Home Care Benefit (50% of FDB you selected) $50 $75 $100 $125 Lifetime Maximum (FDB you selected x 365 days x 6 years) $219,000 $328,500 $438,000 $547,500 Your Pool of Money 14

15 Dollars Dollars and protection against inflation. Standard Guaranteed Purchase Option Optional Automatic Inflation Protection, available at an additional cost Benefit Benefit Age (years) Premium Age (years) Premium Rates may only be increased on a rate-class basis. 15

16 You have immediate* coverage. One Elimination/Benefit Waiting Period Home Support Services Respite Care Information and Referral Services Private Care Consultant Hospice Care Benefit * While you don't need to satisfy the elimination period, you do need to meet benefit eligibility criteria in order to access these benefits. 16

17 These additional benefits are included. Cash Alternative Benefit Death Benefit Restoration of Benefits International Benefit Spouse Discount 17

18 You can add this optional benefit. Non-Forfeiture/Shortened Benefit Period Option 18

19 Peak Protection FROM A NAME YOU KNOW AND TRUST Why should you buy it now? 19

20 You are qualified for coverage now. For Active Employees For Retired Employees Coverage is guaranteed provided you enroll and you are actively-at-work on the effective date of coverage. After the enrollment period, evidence of insurability is required. Evidence of insurability is required at time of enrollment. For Your Family Evidence of insurability is required at time of enrollment. 20

21 Buying later increases total premium. Age at Enrollment Monthly Premium Rate Annual Premium Total Paid Premium at Age $9.44 $ $5, $15.25 $ $7, $27.99 $ $10, $57.91 $ $13, This illustration assumes Elimination/Benefit Waiting Period, a lifetime maximum pool of benefits of $109,500 with a $100 a Facility Daily Benefit, $50 a day Home Care Benefit, 90-day elimination period, and Guaranteed Purchase Option. Prudential has the right to increase premiums at any time after the rate guarantee expires, but only on a class basis. 21

22 Advantages of buying it at work It s Guaranteed for actively-at-work employees during Open Enrollment. It s economical group rates for employer groups. It s portable same plan and premium.* It s easy online enrollment. *Prudential has the right to increase premium rates in the future but only on a class basis. 22

23 Your premiums may be payroll deducted Employees and their Spouses premiums may be deducted from their paychecks. Eligible Family Members have several payment options: Monthly electronic funds transfer only Quarterly, Semi-Annually, or Annually via check payment Quarterly: No discount Semi-Annually: 1.67% discount Annually: 5.00% discount 23

24 It s from Prudential. We honor long-term commitments. Get peace of mind across generations. We have been a top insurance provider for over 130 years. We have been underwriting long-term care insurance since We have strong resources, financial strength, and stability. We have a name you know and trust. 24

25 Peak Protection FROM A NAME YOU KNOW AND TRUST How and when can you enroll? 25

26 Next steps... Information Sources Go to the Learning Center Send an Call Toll Free Enrollment Choices Online Enrollment Kit Complete forms 26

27 Peak Protection FROM A NAME YOU KNOW AND TRUST Get peak protection for you and your family. Enrollment Period Ends May 1, 2012 Questions? Call Online Learning Center 27

28 Peak Protection FROM A NAME YOU KNOW AND TRUST Prudential Long Term Care Solid Solutions SM is issued by The Prudential Insurance Company of America, 751 Broad Street, New ark, NJ This cov erage contains benefits, ex clusions, limitations, eligibility requirements, and specific terms and prov isions under w hich the insurance cov erage may be continued in force or discontinued. The Prudential Insurance Company of America is authorized to conduct business in all U.S. states and the District of Columbia. All insurance policies/options may not be av ailable in y our state. Cov erage is issued under Contract Series This is a solicitation for long-term care insurance. Nothing in this presentation is intended to guarantee eligibility for coverage or payment of any claim. Actual coverage is su bject to the terms and conditions, including limitations and exclusions, set forth in the actual insurance agreement. Prudential, the Prudential logo and the Rock sy mbol are serv ice marks of Prudential Financial and its related entities, regis tered in many jurisdictions w orldw ide

2010 Insurance Benefits Guide. Long Term Care. Long Term Care. www.eip.sc.gov Employee Insurance Program 141

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