1 MutualCare Solutions Long-Term Care Insurance Mutual of Omaha Insurance Company PORTFOLIO OVERVIEW M28381 For producer use only. Not for use with the general public.
2 MutualCare Solutions It s a new approach to long-term care insurance The long-term care marketplace is changing and we re changing right along with it. We developed the MutualCare Solutions portfolio to allow consumers to protect a portion of their retirement assets while maintaining the viability and sustainability of the product line for years to come. The MutualCare Solutions portfolio contains two product packages underwritten by Mutual of Omaha Insurance Company a name people know and trust. MutualCare Secure Solution Traditional policy that gives people the security of knowing they have some measure of asset protection. A good fit for: Customers who are looking for easy-to-understand benefit choices Agents who like a product with a simple design and traditional benefits MutualCare Custom Solution Provides flexibility to manage LTC expenses and control how the dollars in the account are spent. A good fit for: Customers who want to customize a policy Agents who are looking for a product with a strong premium solve capability
3 MutualCare Solutions Two packages with some of the same great features Both packages in the MutualCare Solutions portfolio provide coverage for home health care, assisted living and nursing home care. They also contain many of the same features and benefits, including: Cash benefit with no elimination period Provides cash to pay for any cost associated with long-term care expenses The ability to switch between cash and reimbursement benefits Offers the flexibility and freedom to control care options from the first day of qualified need Monthly benefit amount Allows greater flexibility to maximize policy benefits Calendar-day elimination period Provides reimbursement benefits sooner Stay-at-home features Offers multiple benefits to help keep people at home for as long as possible Partner*-friendly benefits Includes benefits for partners* who purchase identical coverage No cap on premium allowances Provides maximum savings by giving people all allowances they are eligible to receive So, what s the difference? We designed the MutualCare Solutions portfolio to give your clients options for supplementing their outof-pocket costs with benefits from a long-term care insurance policy. Rates for both packages are built on the same pricing structure. However, package selections and benefit choices like elimination period, benefit amount, inflation protection and other optional features impact the final premium. MutualCare Secure Solution Policy limit based on benefit multiplier MutualCare Custom Solution Policy limit based on pool of dollars 30 percent cash benefit built in 40 percent cash benefit built in Basic optional features Enhanced optional features More inflation protection options More partner* benefits More return of premium options
4 MutualCare Portfolio Overview MutualCare Secure Solution MutualCare Custom Solution Issue Ages Tax Status Partnership Qualified (based on state approval, age of the applicant and inflation option selected) Tax Qualified Only Yes Built-In Benefits Policy Limit Benefit multiplier determines policy limit (benefit multiplier x maximum monthly benefit = policy limit) Options include 24, 36, 48 or 60 months Pool of dollars determines policy limit Options include $50,000 to $500,000 in $500 increments Maximum Monthly Benefit $1,500 to $10,000 per month in $1 increments Elimination Period 90, 180 or 365 calendar days $1,500 to $10,000 per month in $50 increments (subject to monthly benefit and policy limit combinations) 0, 30, 60, 90, 180 or 365 calendar days Cash Benefit 30% of home health care benefit up to initial maximum of $2,400 per month 40% of home health care benefit up to initial maximum of $2,400 per month Nursing Home Benefit 100% Assisted Living Facility Benefit Home Health Care Benefit Adult Day Care Benefit Stay-at-Home Benefits Caregiver Training Durable Medical Equipment Home Modification Medical Alert System Bed Reservation Benefit for Nursing Home & Assisted Living Facility 50%, 75% or 100% of maximum monthly benefit 50%, 75% or 100% of maximum monthly benefit Up to 100% of the monthly home health care benefit Up to two times the maximum monthly benefit 30 days per calendar year
5 MutualCare Portfolio Overview MutualCare Secure Solution MutualCare Custom Solution Respite Care Benefit Hospice Care Benefit International Benefit Waiver of Premium Nursing Home Assisted Living Facility Home Health Care Alternate Care Benefit 1 month per calendar year Pays maximum monthly benefit; no elimination period applies Maximum monthly benefit for up to 12 months Included; subject to eligibility requirements Available when care coordination is used Optional Partner* Benefits Shared Care Security Benefit Available Available Joint Waiver of Premium Not Offered Available Survivorship Benefit Not Offered Available Other Optional Benefits Waiver of Elimination Period for Home Health Care Nonforfeiture Shortened Benefit Period (removes Contingent Nonforfeiture built into policy) Return of Premium at Death (less claims paid) Three Times Initial Maximum Monthly Benefit Available Available Available Return of Premium at Death (less claims paid) Return of Premium at Death (less claims paid) If Death Occurs Before Age 65 Not Offered Not Offered Available Available Professional Home Health Care Not Offered Available
6 MutualCare Portfolio Overview MutualCare Secure Solution MutualCare Custom Solution Inflation Protection Inflation Protection Options Lifetime: 3%, 4% or 5% compound 20-Year: 3% or 5% compound Inflation Percentage: 1% to 5% compound in.25% increments Inflation Duration: Lifetime, 20, 15 or 10 years Inflation Protection Buy-Up Option Not Offered Available Premium Allowances Partner* Both Issued One Issued 30% 15% Preferred 15% Association/Sponsored Group 5% Producer 5% Common Employer 5% Premium Payment Lifetime Default * Partner is defined as spouses who are legally married, domestic or civil union partners, or adults in a serious, committed personal relationship intended to be lifelong who have shared a common residence for the most recent three years, are not married to or a domestic or civil partner of anyone else, and are not related in any way that would bar marriage.
7 MutualCare Solutions Here s what it means for you Not only do you have the ability to select the right policy to meet a client s needs and fit the premium into what might be an already tight budget, you also have a competitive advantage with Mutual of Omaha. We have a long history of serving policyholders We ve been paying claims to our policyholders since 1909, which means your clients can count on us to be here when they need us We re a mutual company In fact, we re the oldest mutual company in the LTCi marketplace. As a mutual company, we re not focused on short-term, quarterly results that often characterize publiclytraded companies. Instead, every business decision is made with the long-term needs of our policyholders in mind We re a household name People who already know and trust the company you represent will feel comfortable with your recommendation and confident in their decision to buy from you We re strong, stable and secure Year after year, we earn high marks from the leading industry rating organizations for our overall financial strength and ability to meet ongoing obligations to our policyholders We re committed to LTCi We re not going anywhere. After more than a quarter century of LTCi sales, we remain committed to helping people plan for their LTC needs Want to learn more? Contact our Sales Support team at Visit our website at Log on to Sales Professional Access
8 Long-Term Care Insurance underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE mutualofomaha.com
9 Next STEPS In the Long-Term Care Insurance Application Process Mutual of Omaha Insurance Company What s Next? Now that you ve applied for a long-term care insurance policy, you need to be aware of what will happen before you can be approved for coverage and your policy issued. Additional Medical Information Your application will be reviewed by our long-term care underwriting team to determine if you meet eligibility requirements. In doing so, they will ask for additional medical information, including: Medical Records A copy of your medical records will be requested from your physician. This is required for all long-term care insurance applicants Prescription Drug Report A pharmaceutical check also will be conducted for all long-term care insurance applicants Personal Health Interview You also will be asked to participate in a personal health interview. The interview typically is conducted by a registered nurse who will ask you about your current health, the medications you take and your daily activities. The questions are not difficult and will include things like: The name of your primary care physician and any specialists you see The names and dosages of any medications you take Your future plans for surgery, medical testing or medical consultation Your living arrangements and social activities Your use of medical devices, such as a wheelchair or cane In addition, questions will be asked to evaluate your memory. The personal health interview is conducted either by telephone or face-to-face, depending on your age and/or health status. In order to M28399
10 get your policy issued quickly, you are encouraged to schedule your interview within two weeks. Telephone Interview If you are age 64 or younger, the interview will be conducted over the telephone and will take approximately 30 to 45 minutes. You will be contacted to schedule an interview at your convenience or your insurance agent may set up the interview for you. Please note: We will make every attempt to contact you within the two-hour window you specified on your application. For example, if you asked to be contacted at 5 p.m., the contact window will be 5 p.m. to 7 p.m. (the time zone will reflect the address of the legal residence you list on your application). Face-to-Face Interview If you are age 65 or older or you have certain medical conditions, a nurse will come to your home to meet with you in person. This will take approximately one hour. A nurse will contact you to schedule the interview at your convenience. Tips for Completing the Personal Health Interview The personal health interview is important, so be sure to give the interviewer your full attention and answer all questions completely and accurately. Turn off the television or radio or move to a quiet spot where you will not be distracted Make sure you can hear the interviewer clearly Answer all questions to the best of your ability If a distraction should occur while the interview is being conducted, be sure to let the interviewer know and ask to reschedule for a better time
11 Preparing for the Personal Health Interview It s a good idea to take a few minutes now to collect the following information so you ll be prepared for your personal health interview. Applicant A Name: Address: City, State ZIP: Phone: Date & Reason Last Seen: Name: Address: City, State ZIP: Phone: Date & Reason Last Seen: Primary Care Physician Specialist Physician Applicant B Name: Address: City, State ZIP: Phone: Date & Reason Last Seen: Name: Address: City, State ZIP: Phone: Date & Reason Last Seen: Current Medications (prescription and over-the-counter) Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Name: Dosage: Frequency: Your Information is Strictly Confidential We protect your privacy by safeguarding your information. Mutual of Omaha Insurance Company uses this information solely during the application process for long-term care insurance and will not release the information without your prior written authorization.
12 Long-Term Care Insurance underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE mutualofomaha.com
13 Long-Term Care Insurance Mutual of Omaha Insurance Company Connecting You to What Matters Most ICC13MC35186
15 Your Family You take care of your kids...because that s what parents do. But now that you re getting older, you don t want to rely on your family for help. You want to maintain your independence. And you don t want your kids to have the responsibility of caring for you.
16 Your Home It s where you raised your kids and where your family still gathers for holidays. Your home is where some of the best memories are made. It s the place you feel most comfortable where you feel safe and secure. It s where you belong and where you plan to stay.
18 Your Nest Egg You ve worked hard all your life...built a comfortable retirement nest egg. And throughout the years, you dreamed about all the things you d do someday. Now that someday is drawing near, you want to make sure you have the money to turn your dreams into reality.
19 How Connections are Impacted Did you know the need for long-term care has the potential to derail your plans and impact your connections to the things that matter most? Long-term care isn t medical care. Instead, it s the kind of care people need when they no longer can do all the things they once did for themselves. It s help with activities like bathing, dressing, shopping and cooking. As you get older, there s a chance you ll need this type of help. And that has the potential to: Impact the time spent with your family when a spouse or child must take on the role of caregiver Loosen the connections you have to your home when you can no longer manage there by yourself Weaken the connection to your nest egg when the assets you worked a lifetime to accumulate must be used to pay for long-term care services Stay Connected Good news! There s something that may help you stay connected to all the things that matter a long-term care insurance policy. Planning for long-term care is an important part of your overall plan for retirement. A long-term care insurance policy may be used to help reduce the amount you pay out-of-pocket for long-term care services. And that means you may be able to strengthen your connections to family, home and nest egg by: Supplementing the help you receive from family members with professional caregiving services Getting the long-term care services you need in the comfort of your own home Protecting your retirement assets from being depleted by supplementing your out-of-pocket costs with the benefits of a long-term care insurance policy When you add long-term care insurance to your retirement plan, you re not only taking an important step toward a more secure future you re strengthening the connections to the things that matter most.
20 TM Long-Term Care insurance underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE mutualofomaha.com Policy form: ICC13-LTC13. This policy has exclusions, limitations, reductions and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, call your agent/producer or write to the company. This is a solicitation of insurance. An insurance agent/producer may contact you by telephone to provide additional information.
21 Mutual of Omaha Insurance Company Your Family They Mean the World to You you might expect to pay $154 per day for a home health aide. That could add up to nearly $37,000 per year.* The cost of long-term care services differs greatly depending on where you live. Your Mutual of Omaha insurance agent/producer can show you the average costs in your area. You love spending time with your family and cherish the close relationships you share. You know they would do anything for you...including stepping in to help if you had trouble with life s everyday activities. But taking on the role of caregiver isn t as easy as it might seem. After all, your spouse may be working or may not be physically able to take care of you. And your kids have busy lives, complete with family and work obligations of their own. Besides, the last thing you want is to rely on your family for help. Right? When You Need a Caregiver As people age, it s not uncommon to need help with activities like shopping, meal preparation, housework and laundry. Some people need help managing money or taking medications properly. Others need help with personal services, like bathing, dressing or using the bathroom. Have you thought about who might be able to help you? You know your family cares about you but do you want them to have to care for you? There are a variety of professional services available to provide the help you may need someday. Many are available so you don t even have to leave your home. But it can be costly. Based on national average costs, Reality Check If you need help someday: Will you be able to stay in your home? Do family members live close enough to stop in frequently? Would you be able to move in with one of your children? Do you have funds available to hire professional home care services? Keeping Connections Strong A long-term care insurance policy may help your family connections remain strong. It provides benefits for covered long-term care services. And that means you ll be able to supplement the help you receive from family members with professional caregiving services. Connecting You to What Matters Most [Agent/Producer name] [Agent/Producer phone number] [Agent/Producer address] [Agent/Producer license number] *Source: Mutual of Omaha s Cost-of-Care Survey conducted by Univita, 2012 Long-term care insurance is underwritten by Mutual of Omaha Insurance Company. Mutual of Omaha Plaza, Omaha, NE 68175, Policy form: ICC13-LTC13. This policy has exclusions, limitations, reductions and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, call your agent/producer or write to the company. This is a solicitation of insurance. An insurance agent/producer may contact you by telephone to provide additional information. ICC13MC35187
22 TM Mutual of Omaha Insurance Company Long-Term Care Insurance Three Things You Should Know Long-Term Care insurance underwritten by: Mutual of Omaha Insurance Company Mutual of Omaha Plaza Omaha, NE mutualofomaha.com Policy form: ICC13-LTC13. This policy has exclusions, limitations, reductions and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, call your agent/producer or write to the company. This is a solicitation of insurance. An insurance agent/producer may contact you by telephone to provide additional information. ICC13MC35190
23 Connecting You to What Matters Most Whether it s your family, your home or your retirement nest egg, a long-term care insurance policy from Mutual of Omaha Insurance Company may be the solution to keeping connections strong by providing benefits to help you pay for long-term care services. 1. How Long-Term Care Insurance Works A long-term care insurance policy is designed to help you pay for the long-term care services you need by providing benefits to cover a portion of the cost. Covered Services Our long-term care insurance policies cover services provided in a variety of settings. Since many people prefer to get the care they need at home, our policies are designed to help you remain there for as long as possible. Covered services include: Personal care services to assist you with everyday activities Homemaker services to help with grocery shopping, meal preparation and housekeeping Professional services of a registered nurse, home health aide or therapist Should you need more care, our policies also provide benefits for assisted living, nursing home and hospice care. Eligibility to Receive Benefits You re eligible to receive policy benefits when a licensed health-care practitioner submits a plan of care that certifies you are chronically ill. That means you need help with at least two of the six activities of daily living for at least 90 consecutive days. These activities include bathing, dressing, eating, transferring, toileting and continence. You also are eligible for benefits if a health-care practitioner certifies you need continual supervision due to a severe cognitive impairment. How Benefits are Paid You can choose to receive policy benefits one of two ways cash or reimbursement. If you elect cash, you receive a percentage of the policy s home health care benefit, up to a specified amount each month. There s no elimination period to satisfy. Cash is available beginning on the first day of qualified need and can be used to pay any cost associated with your long-term care expenses If you elect reimbursement, benefits will begin after you satisfy the policy s elimination period. You will be reimbursed for actual covered long-term care expenses you incur each month, up to the maximum monthly benefit of the policy As long as you remain eligible for benefits, your policy will continue to pay until your current policy limit is reached. Care Coordinator Services Our policies offer the optional services of a care coordinator a licensed health care professional who can assess your needs, develop an individualized plan of care and help you arrange for long-term care services. There s no elimination period to satisfy when using these services, which means you have immediate access to a care coordinator. 2. How to Develop a Policy that s Right for You A long-term care insurance policy can be tailored to meet your specific situation. Your agent/producer will help you evaluate your needs and recommend a policy that s right for you. Assessing Your Needs In order to make an appropriate recommendation, your agent will ask you about your family, your lifestyle, your health, your assets, and your plans for the future. Making Basic Decisions There are several decisions to make when purchasing a long-term care policy. First, you should consider how much you will be able to share in the cost of your care. Then, your agent/producer will help you understand policy options and select those that are appropriate for you, including: Policy limit the maximum dollar amount available in benefits during the life of the policy Maximum monthly benefit the highest dollar amount payable in a month for all covered services Elimination period the initial number of calendar days you must be chronically ill before benefits begin. The elimination period begins on the first day you are chronically ill and receive a covered long-term care service Inflation protection a percentage by which your benefit amounts will increase each year to help keep pace with inflation Adding Optional Benefits Your agent/producer will explain the many optional benefits that can be added to your policy at an additional cost. Saving on Premium Your agent/producer also will make sure you get all the allowances you re eligible to receive to help keep your premium as low as possible. You may qualify for one or more premium allowances. 3. How to Select the Right Company When you re considering a long-term care insurance policy, it s important to select a company that is strong, stable and financially secure. Mutual of Omaha has a long history in the insurance industry; we ve been paying claims to our policyholders since In addition, we continually earn high marks from the leading industry rating organizations for our overall financial strength and ability to meet ongoing obligations to our policyholders. So, when you re looking for the right insurance company, consider this: Mutual of Omaha s longevity, financial strength and experience helping people like you plan for their long-term care needs means you can count on us to be here when you need us. [Agent/Producer name] [Agent/Producer phone number] [Agent/Producer address] [Agent/Producer license number]
24 Long-Term Care Insurance Mutual of Omaha Insurance Company Tax Advantages for Business Owners and Employees Depending on the tax-structure of your business, there may be significant tax savings when you use business dollars to purchase long-term care insurance. Additionally, your employees may enjoy tax savings on a longterm care insurance policy purchased under a company-sponsored program. Premiums may be tax-deductible Under current tax laws, you and your employees may be able to deduct either the actual premium or eligible premium paid on a tax-qualified long-term care insurance policy. Actual premium is the actual amount paid for a long-term care insurance policy Eligible premium is an amount determined annually by the federal government Policy benefits may be tax-free Benefits paid by a tax-qualified long-term care insurance policy are intended to be tax-free as long as they do not exceed the greater of qualified long-term care daily expenses or the per-day limitation, which is $320 in Source: Section 7702B of the Internal Revenue Code (IRC) For Your Business The Tax Advantages of Long-Term Care Insurance Self-Employed Business Owners (Sole Proprietor, Partnership, LLC, S Corporation) Eligible premium may be tax deductible when the business purchases long-term care insurance policies for: Owner Spouse Dependents Actual premium may be tax deductible when the business purchases long-term care insurance for: Employees Owners of C Corporations Actual premium may be tax deductible when the business purchases long-term care insurance policies for: Owner/employee Spouse Dependents Employees Eligible Premium Guidelines for 2013 At age: You can deduct: 40 and younger $ $ $1, $3, and older $4,550 Source: IRS Revenue Procedure For Your Employees Eligible premium may be tax deductible when an employee purchases his or her own long-term care insurance policy. Long-term care insurance premium may be included as a medical expense as the employee s combined medical expenses exceed 10 percent of adjusted gross income and deductions are itemized on his or her income tax return (7.5 percent for those 65 and over through 2016). Eligible premiums are established annually based on the medical care components of the Consumer Price Index. The information provided is not intended to be tax advice. Consult your tax advisor to determine the tax benefits for your business. Long-term care insurance is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175, Policy form: ICC13-LTC13. This policy has exclusions, limitations, reductions and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, call your agent/ producer or write to the company. This is a solicitation of insurance. You may be contacted by telephone by an insurance agent/producer. ICC13MC35232
United of Omaha Life Insurance Company A Mutual of Omaha Company UNITED LTCi SOLUTIONS Assured Solutions GOLD Long-Term Care Insurance FEATURING THE CA$H-First SM ADVANTAGE GC663_MN Your Life... Your Way
TAX-QUALIFIED LONG-TERM CARE INSURANCE POLICY SM featuring the CA$H-FIRSTadvantage AIM-CA v:uoo1 Your life Your way! You ve always done things your way. Forged your own path. Never been one to follow along
Mutual of Omaha Insurance Company Long-Term Care II provides lots of choices about your long-term care insurance Long-Term Care II allows you to choose tax-qualified or non tax-qualified coverage and tailor
Mutual of Omaha Insurance Company Long-Term Care II provides lots of choices about your long-term care insurance Long-Term Care II is a tax-qualified insurance plan. The policy pays expenses for long-term
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MULTNOMAH COUNTY OREGON - #094319
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS
Transamerica Life Insurance Company Agent Fast Facts for TransCare III Long Term Care insurance ICC13 TC3 A FF For Agent/Producer Information Only. Not for public distribution. When it comes to care, family
Mutual of Omaha Insurance Company Long-Term Care Insurance Independence. Family relationships. Financial freedom. A long-term care insurance policy can help protect what s important to you. MC31916_0805
A Solutions Guide for Individuals It s about living life on your terms. SignatureCare 500 Partnership Programs insure Insurance invest Strategies retire LTC54000P Contents 1 The need for long term care
prudential s GROUP INSURANCE Prudential Long Term Care Solid Solutions SM 20 Questions concerning long-term care insurance The Prudential Insurance Company of America (Prudential) 0238884 Should you be
John Hancock Life Insurance Company (U.S.A.) Florida Long-term care insurance designed with you in mind Custom Care III featuring BENEFIT BUILDER LTC-8500FL 1/14 Long-Term Care Insurance Valuable coverage
First Unum Life Insurance Company 666 Third Avenue New York, New York 10017 (212) 953-1130 LONG TERM CARE INSURANCE REQUIRED DISCLOSURE STATE FOR THE EMPLOYEES OF NEW YORK MEDICAL COLLEGE #222373 Group
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF SARASOTA COUNTY GOVERNMENT #123354-004
Academic Faculty * Administrative Professionals * Post Doctoral Fellows * Veterinary and Clinical Psychology Interns Group Long Term Care Insurance Program-Frequently Asked Questions 1. What is long term
Physicians Mutual Insurance Company 2600 Dodge Street Omaha, Nebraska 68131 800-645-4300 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY P148 NOTICE TO BUYER: This policy may not cover all of the costs
LONG-TERM CARE A supplement to the Long-Term Care insurance guide. These definitions are offered to give you a general understanding of the terms you will hear when looking for Long-Term Care insurance.
You may be unfamiliar with long-term care insurance. This plan summary is designed to help you understand the coverage by providing you with: An overview of plan benefits Instructions on how to apply for
Contract Profile MEMBERS Long-Term Care Insurance Move confidently into the future TM 05-005 REV 08 Preserve your independence MEMBERS Care Choice Plan is a comprehensive long-term care insurance policy
Metropolitan Life Insurance Company (MetLife) THE ESSENTIALS LONG-TERM CARE INSURANCE ADF# 1888.09(CA) The MetLife Mature Market Institute Established in 1997, the Mature Market Institute (MMI) is MetLife
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF OREGON EDUCATORS BENEFIT BOARD
JOHN HANCOCK LIFE INSURANCE COMPANY Group Long-Term Care PO Box 111, Boston, MA 02117 Tel. No. 1-800-711-9407 (from within the United States) TTY 1-800-255-1808 for hearing impaired 1-617-572-0048 (from
Life Insurance with Long-Term Care Riders 64170 MK3375(0509) TC46288(0509) Experience Life Life Insurance can be your Bridge to a More Secure Financial Future Life insurance is a powerful tool that can
An Overview Guide MassMutual CareChoice SM One Prepare for the possibilities MassMutual CareChoice One (CareChoice One) is a single premium whole life insurance policy with a qualified long term care insurance
long-term care insurance from new york life insurance company 336897CV (CA) 1 Are you ready to live a long life? Planning to live means making a plan a sound retirement strategy that addresses the risks
Mutual of Omaha Insurance Company Long-Term Care Sales Ideas Tips for Turning Needs and Concerns into Sales M28712 Sales Ideas Ever wonder how to find people to talk to or how to begin a conversation about
Preserving the simple joys of everyday living. S364-305 We ve taken the complexity out of long term care insurance with clear language, great flexibility, and amazingly few rules. Simplicity is a tax-qualified
Pacific Life Insurance Company Pacific PremierCare Advantage Universal Life Insurance with Long-Term Care Benefits 1 Client Guide 1 Pacific Life Insurance Company s Pacific PremierCare Advantage (Policy
Privileged Choice Flex 2 I Long Term Care Insurance Privileged Choice Flex 2 Long Term Care Insurance 143782 01/31/13 Underwritten by Genworth Life Insurance Company, Richmond, VA 1 What is Long Term Care?
Long Term Care Rider TRANSAMERICA LIFE INSURANCE COMPANY Planning today to help secure your long term care needs for tomorrow. ICC 14 OL 3183 0514 Protect your family s future No one looks forward to spending
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF INTELIDENT SOLUTIONS, INC. Policy: 294446
Premera Long Term Care Preserving the simple joys of everyday living Premera Long Term Care We ve taken the complexity out of long term care coverage with clear language, great flexibility, and amazingly
Metropolitan Life Insurance Company (MetLife) THE ESSENTIALS LONG-TERM CARE INSURANCE ADF# 1888.09(TX) The MetLife Mature Market Institute Established in 1997, the Mature Market Institute (MMI) is MetLife
Your Guide to Long-Term Care Insurance When you re in the prime of life, it s hard to imagine being unable to do the basic activities of daily living because of age or disability. But the reality is that
FREQUENTLY ASKED QUESTIONS Long Term Care Rider Table of Contents Overview The Long Term Care (LTC) Rider Benefits Eligibility Long Term Care Benefits Agency Licensing and Contracting Illustrations Underwriting
Enroll in NYPERL an important benefit: New York State Public Employee and Retiree Long-Term Care Insurance Plan the caring part of your retirement plan. 364-501 (10-13) What s inside: About MedAmerica:
A Shopper s Guide to Long-Term Care Insurance About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members are the chief
Client Guide Pacific Life Insurance Company Pacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1 LOCKABLE BENEFITS with 1 Pacific Life Insurance
The Prudential Insurance Company of America Long-Term Care Insurance 20 Questions concerning long-term care insurance 0163472 0163472-00002-00 1WHAT IS LONG-TERM CARE? Long-term care covers a wide range
Continental Casualty Company CNA A Stock Company 333 South Wabash Avenue Chicago, Illinois 60604 Continental Casualty Company Group Long Term Care 333 South Wabash Avenue Chicago, IL 60604 1-(800)-528-4582
long-term care insuranceo october 2014 2 The Reality of Living Longer 4 Why Should You Consider Long-Term Care Coverage? 7 Protecting Your Assets, As Well As Your Health Planning for Long-Term Care Summary
2010 Insurance Benefits Guide www.eip.sc.gov Employee Insurance Program 141 Insurance Benefits Guide 2010 Table of Contents Insurance...143 Important Information About the Plan...143 Plan Details...144
THE DREXEL UNIVERSITY GROUP LONG TERM CARE INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS This material is intended for use by eligible Drexel University employees. 1. What is long term care insurance? Long
John Hancock Life Insurance Company (U.S.A.) Help protect your future and your family s well-being ICC10-LTC-8000 2/11 Custom Care III Long-Term Care Insurance John Hancock A name people know and trust
Continental Casualty Company 333 S. Wabash Avenue A Stock Company Chicago, Illinois 60604 Continental Casualty Company Group Long-term Care 333 S. Wabash Avenue Chicago, IL 60604 1-(800)-528-4582 LONG-TERM
4 Chapter 4. Long-term Care Plan Table of Contents VLDP LONG-TERM CARE PLAN 1 Eligible Participants Plan Highlights Plan s Applying for Long-term Care s Continuing Long-term Care Coverage COV VOLUNTARY
Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits Producer Guide Life insurance can leave a legacy. It can provide a living benefit too.
A Shopper s Guide to Long-Term Care Insurance About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members are the chief
Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing
About Assurity Life Assurity Life Insurance Company s origins are rooted in a century-long legacy of providing long-term security to policyholders that has earned generations of customers confidence and
The Federal Long Term Care Insurance Program Make long term care insurance part of your plan Program Overview See inside for: Long term care and long term care insurance facts Program benefits Eligibility
Ensuring Your Path Solutions Protecting Life s Next Steps Pub5889ICC (5/13) ICC13 LTCR 5889 2013 1438 The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS The good news is
Long Term Care Insurance COVER Shield PROTECT DEFEND ICC14-364 Planning for your long term care needs is a smart and important decision. By doing so, you are able to decide how to reduce the impact a long
Long-Term Care Long-Term Care Insurance can help you or an eligible family member pay for costly Long-Term Care assistance when you can no longer function independently. For more information on See Page
A Consumer s Guide To Long-term Care Insurance & Maine s Long-term Care Partnership Program Published by: The Maine Bureau of Insurance July 2014 Paul R. LePage Governor Eric A. Cioppa Superintendent A
US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE INTRODUCTION This booklet is published by the US Army NAF Employee Benefits Office. It is intended to provide you with useful information about the US Army
Long-Term Care Insurance Pamela Stutch, Esq. Maine Bureau of Insurance (207) 624-8458 (800) 300-5000 (Maine only) www.maine.gov/insurance 1 What is long term care insurance? Provides at least 12 consecutive
Income Retirement Group Life Solutions Benefits Solutions Plan Services Make your next move Help clients protect wealth from LTC expenses Advisor Guide The Lincoln National Life Insurance Company Not a
An important new benefit: Long-Term Care Insurance the caring part of your financial plan. GRP-364-801 (7-04) What s inside: About MedAmerica: Your Employer s Chosen Insurance Carrier. 1 What is Long-Term
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY Nationwide YourLife CareMatters SM Client guide Choice, control, flexibility it s all in your hands Taking time to plan now can put you in control later Most
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE EMPLOYEES OF UNITED TEACHERS LOS ANGELES (the Policyholder)
Date May 1, 2012 Marsh & McLennan Companies This Plan helps you pay for the care you or a family member could require as a result of an illness, an accident, or age. This care may be needed for a lengthy
Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL This brochure must be accompanied or preceded by a product brochure. Issued by Pruco
The Federal Long Term Care Insurance Program book two Additional Information Table of Contents Where to find more information 2 Questions and answers 3 Benefits and Features Worksheet 5 Glossary 9 Note:
Princeton University GROUP LONG TERM CARE INSUANCE PROGRAM FREQUENTLY ASKED QUESTIONS Learn about long term care insurance 1. What is long term care insurance? Long term care insurance is designed to help
TABLE OF CONTENTS Overview 1 Long Term Care (LTC) Rider on 1 Benefits Eligibility 2 Long Term Care Benefits 3 Policy Change with LTC Rider 3 Claims Guidelines 3 Tax-Related Questions 4 Underwriting 4 Illustration
About AHIP Guide to Long-TermCare Insurance America s Health Insurance Plans is a national association representing nearly 1,300 members providing health benefits to more than 200 million Americans. AHIP
Help protect your future from one of life s uncertainties group long term care insurance PROGRAM 46871 06/01/09 Reference # 46871VRSG 04/01/10 Plan today In these uncertain times, it is often difficult
The Nationwide LONG-TERM CARE RIDER Take control of your future. You ve worked hard to live life on your terms. So, when you think of your later years, you probably don t envision becoming dependant on
A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners About
Long Term Care Rider Overview TransACE Long Term Care Rider QUICK FACTS The Long Term Care (LTC) Rider provides for the acceleration of life insurance death benefits on an indemnity basis if the insured
Unum Whole Life Voluntary Whole Life Insurance Whole Life Insurance Features Whole life provides an additional source of financial protection for your working years and provides options for your retirement.
FACT SHEET Long-Term Care (LTC): An Overview of LTC Insurance (H-002) p. 1 of 6 Long-Term Care: An Overview of Long-Term Care Insurance Long-Term Care (LTC) insurance only pays for long-term care. Long-term
PRUDENTIAL S GROUP INSURANCE 20 Questions concerning long-term care insurance The Prudential Insurance Company of America (Prudential) 0180869 Should you be worried? 20 questions you may be asking about
The Federal Long Term Care Insurance Program Program Overview See inside for: Long term care and long term care insurance facts Program benefits Eligibility to apply, including: qualified relatives new
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
Comparing Your Long-Term Care Insurance Choices The table below compares the long-term care insurance programs available to you in several key areas. ADMINISTRATION Who administers the program? ELIGIBILITY
Guide to Long-Term Care Insurance Long-term care insurance can be confusing, no matter who you are, especially if you don t know who to turn to for expert advice. The decision to purchase long-term care
Financial Information Understanding Long Term Care Insurance Many Americans do not plan ahead financially for their long term care needs. Others wrongly assume that Medicare, Medicare supplemental policies
AICUP Group Long Term Care Insurance Prepared for: Saint Francis University May 2016 Underwritten by Genworth Life Insurance Company. 2013 Genworth Financial, Inc. All rights reserved. For employer and
Vol. 28, No. 9 December 2001 Long-Term Care Insurance What is Long-Term Care? Long-term care consists of medical, social, and/or personal care services required by a person with a chronic illness or disability,
Long Term Care Information Meeting The Municipal Pool Continental Casualty Company Policy SPS1AA-22-TQ Who is CNA? CNA, headquartered in Chicago, is an insurance organization with a 100+ year legacy built
Long-term care rider, available on Nationwide YourLife No-Lapse Guarantee SUL II Feature guide LIFE INSURANCE + LONG-TERM CARE Two people, one policy. Affordable long-term care coverage for both. NATIONWIDE
Policy Form No. 21156 (0102) FEDERAL TAX-QUALIFIED COVERAGE: THIS CONTRACT FOR LONG-TERM CARE INSURANCE IS INTENDED TO BE A FEDERALLY QUALIFIED LONG-TERM CARE INSURANCE CONTRACT AND MAY QUALIFY YOU FOR
Manning & Napier Advisors, LLC An Introduction to Long-Term Care Insurance August 2011 Approved CAG-CM PUB026-R (10/11) Long-Term Care As people approach retirement, their insurance needs often change.
Long Term Care Insurance for Federal Employees See Inside For: What is long term care? Eligibility, including qualified relatives How to get more info & personalized advice New and Newly Eligible Employees:
Discover What s Possible Guaranteed Choice Whole Life Guaranteed Choice Whole Life for Individuals and Families PM6373 There is comfort in predictability There s a certain comfort that comes with knowing