LONG TERM CARE INSURANCE. SignatureCare. Designed to Fit You and Your Lifestyle. INVEST INSURE RETIRE LTC4500

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1 SignatureCare Designed to Fit You and Your Lifestyle. LTC4500

2 Coverage provided by Policy Series MM-400-P et al. (In ID, MM-400-P-ID, in PA, MM-400-P-PA through MM-405-P-PA, and in NC, MM-400-P-NC). Underwritten by Massachusetts Mutual Life Insurance Company of Springfield, MA. Policy provisions and benefits may vary from state to state and some of the benefits illustrated here may not be available in your state. Please refer to the special supplement (if applicable) enclosed with this brochure to describe any variations for your state. Your Outline of Coverage will provide you with a brief summary of coverage, but only the actual insurance policy contains the governing contractual provisions, exclusions and limitations. The information contained here is being provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Neither Massachusetts Mutual Life Insurance Company nor any of its employees or representatives are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

3 Picture the Possibilities You ve worked hard over the years. And you ve probably set aside quite a bit of money for retirement, perhaps even considerable wealth. You ve done so because you know that in order to fund your active lifestyle, you are going to need every penny of it. As many of us know, we are only now just peaking. Sure, our knees may not be what they used to, but all in all, we are ready for, and looking forward to, all that awaits us. Now is the time we can answer the What-Ifs What if I wrote that novel I always dreamed of writing? What if I took on that volunteer work I ve always felt was somehow my duty and give back to the community? And what if I finally shot the rapids, or ran that marathon, or hiked the Rockies? What if.? This point in our lives gives us a wonderful opportunity to go back over our past and, with 20/20 vision, look at the choices we ve made. What would we do over? What would we do different? We have the chance to live a little differently, to live a little better, and to live a lot for ourselves. The choices we make today, finally, are choices we make just for ourselves.

4 Picture Independence and Self-Determination While we can t predict that the choices we are going to make will all go as well as planned, we can prepare for the uncertainties that are sure to be a continued part of our lives. For example, when you reach age 65, you have a 40% chance of needing some form of long term care. 1 Most long term care needs arise when a person is unable to perform a few simple Activities of Daily Living (ADLs) without assistance, such as eating, bathing, maintaining continence, or getting in and out of bed. Some, unfortunately, may suffer from other chronic long term care needs such as a Alzheimer s disease or similar cognitive impairment that may require around-the-clock care. Simply put, long term care is a combination of services personal care, health, social, and supportive. The goal is to provide assistance and improve the quality of life of those with chronic, long term conditions. Long term care does not seek to cure a medical condition. And because the risk of needing long term care increases with age, it is important to plan for your long term care needs now, while you are healthy and insurable. SignatureCare Long Term Care Insurance is intended to be a tax-qualified insurance product that can help us prepare for some of these uncertainties as well as the substantial costs 2 associated with a long term care need.

5 While considerable support can be provided by family and loved ones, the best way to ensure that you receive the type of care you want in the setting you choose is an individual long term care insurance policy from Massachusetts Mutual Life Insurance Company ( MassMutual ) that can help to: Protect your assets and your estate including your home Protect your spouse s standard of living, financial security and peace of mind Support your desire not to become a burden on family and friends Preserve your independence and self-determination, by allowing you to live out your life as you wish, where you wish. When you choose to purchase a SignatureCare long term care insurance policy, you are making the choice to help protect yourself, your assets, your family and loved ones against the major burdens both financial and emotional associated with long term care. The following pages describe for you our SignatureCare product and the many optional benefits available choice of care, choice of settings, choice of premium options allowing you to choose a policy design that fits your lifestyle and your needs. 1. Health Insurance Association of America: Guide to Long Term Care Insurance, Average annual cost for nursing home care (semi-private) is $57, Average daily cost for eight hours of home care is $ Source: MetLife Mature Market Institute, August 2003

6 SignatureCare Base Policy MassMutual s SignatureCare Long Term Care Insurance provides you the freedom to design a plan that works for you and your lifestyle, while helping you protect your assets, your family and your future. Policy provisions and benefits may vary from state to state and some of the benefits illustrated here may not be available in your state. BASIC PLAN DESIGN 3 SignatureCare offers two basic plan designs to meet your personal needs. Facility Services Only plan 4 This cost-effective plan provides benefits for care provided in Nursing and Assisted Living Facilities. Once you have satisfied the elimination period and are eligible for benefits, SignatureCare covers you for skilled, intermediate and custodial levels of qualified long term care. This policy pays 100% of actual charges incurred, up to the Daily Benefit Amount you select, for a stay in a Nursing or Assisted Living Facility. In addition to the Daily Benefit Amount selected, a Prescription Drug Benefit of up to $100 per month is payable while you are confined to a Nursing or Assisted Living Facility and receiving benefits under the policy. Facility Services and Home and Community Based Services plan This comprehensive plan pays 100% of the actual expenses you incur for both Facility Services and Home and Community Based Services, up to the Daily Benefit Amount you select. For additional premium, this benefit provides you with the independence to receive care in a familiar home or community setting. SignatureCare reimburses 100% of your actual expenses up to the Daily Benefit Amount you select, for care provided by a licensed or certified (where required) home health care agency, independent home health care provider, or for care provided through adult day care programs and hospice care facilities. This benefit also reimburses you for services provided by licensed or certified (where required) home care providers including: Professional Nurse (RN, LPN, LVN) Physical Therapist Speech Therapist Respiratory Therapist Occupational Therapist Additionally, we will reimburse you for training provided to your informal caregiver, up to a lifetime maximum of five times your Daily Benefit Amount. Should a health emergency arise while receiving home health care, this plan will also provide up to $100 per trip for ambulance transportation costs (up to 4 times per calendar year) to or from a Nursing or Assisted living facility for Facility Services provided under the policy. An Emergency Response System Benefit is also available to cover the actual charges you incur for such a system, up to $50 per month. Both the Emergency Response System Benefit and the Ambulance Benefit reimbursements are payable while you are receiving Home and Community Based Services and are in addition to your selected Daily Benefit Amount. Regardless of the plan you choose, you have the added security of knowing as long as you continue to pay your required SignatureCare Special Built-in Benefits UP TO 70% JOINT DISCOUNT If you share a household with someone, SignatureCare offers a joint coverage policy. If you are both approved, you may receive up to a 70% discount on the second individual, depending on your age and the age of the joint applicant. This joint policy provides identical coverage for each of you. All provisions of the policy apply to each insured individually and separately. Joint coverage is limited to spouses in Maryland. BED RESERVATION This benefit reserves your bed in a Nursing or Assisted Living Facility should a temporary hospitalization or other absence be required. We will reimburse you the actual daily charges you incur up to your Daily Benefit Amount for a maximum of 60 days per calendar year. OPTIONAL PERSONAL CARE ADVISOR SignatureCare provides you with an optional Personal Care Advisor at no additional cost to you. This personal service will provide you with one-on-one consultation regarding your benefits whether you have a question regarding your benefits or you require assistance locating services in your area. Your Personal Care Advisor will work with you and your family to make this as smooth a process as possible. OPTIONAL CARE COORDINATION After speaking with the optional Personal Care Advisor, and in the event the insured requests additional care coordination, we will arrange, at no cost, for a Care Coordinator to contact the insured to assess and coordinate appropriate care and services; provide assistance in developing a Plan of Care and assist with necessary claims documentation. The optional Care Coordinator will be a registered nurse. 3. State or other restrictions may apply. Premiums may be subject to increase and will vary according to your State and coverage selected. 4. Not available in OR, RI, or VT

7 premiums, your policy cannot be cancelled. Additionally, there are no limitations on pre-existing conditions. BENEFIT ELIGIBILITY You will be eligible for SignatureCare benefits if, within the previous 12 months, a Licensed Health Care Practitioner certifies that: You are unable to perform at least 2 of 6 Activities of Daily Living for an expected period of 90 days due to loss of functional capacity. This means you require substantial assistance in at least 2 of the following activities: bathing, eating, dressing, moving in or out of bed, a chair or wheelchair, using the toilet or maintaining continence for a period expected to last at least 90 days; or You have a severe Cognitive Impairment. This means you require continual supervision due to a deterioration or loss of intellectual capacity. This includes Alzheimer s disease or similar forms of irreversible dementia. The ninety (90) day requirement does not establish a waiting period before which benefits may be paid or before which services may constitute Qualified Long Term Care Services. A Licensed Health Care Practitioner is defined as a physician, registered nurse, or a licensed social worker. DAILY BENEFIT AMOUNT This is the maximum amount your policy will pay on any one day for Facility Services or Home and Community Based Services (if elected). Benefit amounts are available in $10 increments to a maximum of $300 per day. Policy minimums vary by state. ELIMINATION PERIOD This is the amount of time you must pay for your care prior to receiving long term care benefits. You can think of it as a deductible period, counted as calendar days 5 from date of incurral. SignatureCare offers a choice of 0, 30, 90 or 180 day elimination periods, 6 and once you have satisfied your selected elimination period, no further elimination period is required for future benefits. BENEFIT PERIOD The benefit period and Daily Benefit Amount determine the total value of your policy and indicate the period for which benefits are payable once you qualify. The benefit amount is determined by multiplying the daily benefit by 365 (the number of days in a year), then multiply that figure by the benefit period you elect. Choose the length of benefit period, including Lifetime, that you think works best for you. POOL OF BENEFITS APPROACH SignatureCare provides a pool of benefits approach. This approach gives you maximum flexibility and customization. For example, if you use only a portion of your Daily Benefit Amount, the balance remains available for future services, and may extend your benefits beyond the benefit period elected. If you choose a lifetime benefit period then an unlimited pool of benefits is available to you. LIMITATIONS AND EXCLUSIONS Please refer to page 11 of this brochure for Limitations and Exclusions. PREMIUM WAIVER If you are eligible for benefits, after 90 calendar days 5 of confinement in a Nursing or Assisted Living Facility, we will waive your premium for as long as you are confined. On a joint policy, we will waive premiums for both individuals when only one of the individuals is confined for more than 90 calendar days. RESPITE CARE Respite Care provides temporary relief to a spouse, friend or family member who is providing your care. The reimbursement may be for care provided in your home, a Nursing Facility, an Assisted Living Facility or through a community-based program. No elimination period is required. Payment will be the actual daily charges you incur for services covered under your policy, up to the Daily Benefit Amount of your policy. The maximum benefit payable is 30 days per calendar year. ALTERNATIVE PLAN OF CARE Under the Alternative Plan of Care, once you are eligible for benefits, we will work with you and your licensed health care practitioner to determine if an Alternative Plan of Care is best for you. The Alternative Plan of Care benefit includes medical and non-medical services such as environmental alterations for handicap access or special lifts or ramps. Not available for providing Home and Community Based Services if your policy provides Facility Services Only. 30-DAY FREE LOOK After you receive your policy, you will have 30 days to review your SignatureCare long term care insurance policy and all the provisions you elected. Within this free look period, you may return the policy to your MassMutual representative or the company and your entire premium will gladly be refunded. 5. If you receive services at least once during any 7 day period (Sunday through Saturday), 7 calendar days will be counted toward satisfaction of the Elimination Period or the Waiver of Premium waiting period day elimination period not available in CT, GA, SD and VT.

8 SignatureCare Optional Benefits At MassMutual, our commitment is to you. Therefore, for additional premium, we offer a variety of optional benefits to address such concerns as inflation protection, indemnity benefits, nonforfeiture and informal caregiver benefits. These benefits are available depending on the basic plan selected. State or other restrictions may apply. Please refer to the Outline of Coverage and any supplement to the brochure in your application packet for state specific variations. INFLATION PROTECTION It may be years before you use your long term care insurance policy, so you can help to protect yourself against inflation with one of two inflation protections options: Compound Inflation Option which increases your Daily Benefit by 5% per year on a compound basis for the life of the policy, even while you are receiving benefits. Your premiums will remain the same as your Daily Benefit Amount increases. Simple Inflation Option 7 which increases your Daily Benefit by 5% of the original daily benefit for the life of the policy, even while you are receiving benefits. Your premiums will remain the same as your Daily Benefit Amount increases. PAYMENT OPTIONS In addition to a Lifetime Premium payment option, you can obtain paid-up coverage after either 10 or 20 years. You may pay the same premiums for either 10 or 20 years, at which point coverage is contractually paid up and no more premiums will ever be due. NONFORFEITURE BENEFITS MassMutual s SignatureCare offers two nonforfeiture options that help provide you with peace of mind if you lapse your policy or die without exhausting, or perhaps even using, any of your benefits. You can choose from the following Nonforfeiture options: Full Nonforfeiture Benefit Rider With the Full Nonforfeiture Benefit, if you die while your policy is in force, we will pay your beneficiary the total premiums you have paid regardless of the amount of benefits you may have received. If you lapse your policy at any time, your coverage continues in full. However, the new benefit amount payable is limited to the total of all premiums paid. Any benefits paid to you after your policy lapses will be subtracted from the benefit amount. Upon your death, we will pay your beneficiary an amount equal to any remaining benefits not paid. Shortened Benefit Period Nonforfeiture Rider If you lapse your policy after it has been in force for at least three years, your coverage continues in full. However, the new benefit amount payable is limited to the total of all of the premiums paid, but never less than 30 times the daily benefit amount at the time of lapse. Any benefits paid to you after your policy lapses will be subtracted from the benefit amount. Benefits will be paid normally until the new benefit amount described above is exhausted or you die. Upon your death, there is no return of any unpaid benefit amount. 7. Not available in DE and WI. Referred to as Simple Benefit Increase Option in OH.

9 INDEMNITY BENEFIT RIDER With this option, if you qualify for benefits, we ll simply pay you your Daily Benefit Amount, regardless of the actual expenses incurred. This option is not available with the Home and Community Based Services Monthly Benefit Rider. HOME AND COMMUNITY BASED SERVICES (HCBS) WAIVER OF PREMIUM BENEFIT RIDER 8 With this option, if you are eligible for benefits and have received HCBS services for 90 calendar days, 9 no premium will be due following the 90th day. The 90 days do not have to be consecutive, but must be satisfied during a single claim period. On a joint policy, we will waive premiums (for both individuals) when only one of the individuals is eligible for benefits. This option is not available with Facilities Services Only coverage. HOME AND COMMUNITY BASED SERVICES (HCBS) MONTHLY BENEFIT RIDER This option changes the benefits payable under HCBS coverage from a Daily Benefit Amount to a Monthly Benefit Amount, up to thirty one (31) times Daily Benefit. For example, if your Daily Benefit Amount is $100, this benefit will allow you to be reimbursed for up to $3,100 per month, rather than $100 per day. You have more versatility with the timing of your services. This option is not available with the Facilities Services Only coverage, or the Indemnity Benefit Rider. Additionally, one of the Inflation Protection Riders must also be purchased. HCBS FIRST DAY COVERAGE RIDER This optional benefit allows you to begin receiving benefits payable on the first day of claim for HCBS regardless of your policy s Elimination Period. Not available with Facility Services Only base plan. LIMITED FAMILY CAREGIVER BENEFIT RIDER This benefit allows a family member to care for you. If you qualify for benefits, we will pay a benefit equal to 75% of the Daily Benefit for informal care provided by a family member not living with you for up to 365 days over the life of your policy. Once the benefit is exhausted it cannot be restored and the premium for the rider will no longer be charged. This option is not available with the Facilities Services Only coverage. RESTORATION OF BENEFITS RIDER This option is available if you select a benefit period other than lifetime. Your benefit period will be totally restored if you recover and are not eligible for benefits for at least 180 consecutive days. You may restore benefits up to a lifetime maximum of twice the original pool amount. PAID-UP SURVIVOR BENEFIT RIDER 10 If you purchase a joint policy and both of the following occur: 1) the end of the 10th policy year; and 2) the death of either insured; the policy and any attached riders will be paid-up and no further premiums will be due for the surviving insured. Not available with limited pay options (10-pay or 20-pay). 8. Not available in CT. 9. If you receive Home and Community Based Services at least once during any 7 day period (Sunday through Saturday), 7 calendar days will be counted toward satisfaction of your 90 day waiting period. 10. Not available in NY.

10 Picture Your Peace of Mind You are unique. Your circumstances, responsibilities and goals for tomorrow dictate your financial strategies today. And today, security should be a major consideration in every financial decision you make. When choosing a SignatureCare long term care insurance policy for yourself or a loved one, you are also choosing one of the nation s premier financial companies Massachusetts Mutual Life Insurance Company. MassMutual serves more than ten million policyholders and participants, and we operate the Company for their benefit. As a policyholder, you ll find that MassMutual has the financial strength and commitment to provide the protection and service you deserve. Founded in 1851, MassMutual is one of the most highly respected insurance companies in the nation, consistently receiving high marks from independent rating services for our financial strength. 11 For many years, the analyses and ratings from these independent firms have helped consumers make informed decisions. We invite you to review the ratings assigned to Massachusetts Mutual Life Insurance Company and compare them to any other issuer of long term care insurance. These ratings refer only to the overall financial status of the company and are not recommendations of the specific policy provisions, rates or practices of the insurance company. We are confident that our excellent investment performance, continued operational efficiencies, favorable underwriting experience and customer satisfaction pursuits will make your choice of MassMutual as your long term care insurance provider a choice that will help provide you with the security and peace of mind you want. 11. As of 11/2004 Standard & Poor s (Rating AAA Extremely Strong), Moody s Investors Service (Rating Aa1 Excellent), A.M. Best Company (Rating A++ Superior) and Fitch (Rating AAA Exceptionally Strong) Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings are subject to change.

11 LIMITATIONS AND EXCLUSIONS No benefits will be paid, and the Elimination Period will not be satisfied for any confinement, care, treatment, or service(s): provided to you by a person in your Family; provided outside the United States or its territories, or Canada, except as described under Coverage Outside the United States in the Benefit Provisions section of the Policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcoholism or drug addiction; provided in facilities operated primarily for the treatment of Mental or Nervous Disorders. However, this shall not operate to exclude coverage for loss which results from Alzheimer s or any other demonstrable organic disease such as senile dementia; For any claim, bill or other demand or request for payment for health care services provided and determined to be furnished as a result of a referral prohibited by of the Health Occupations Article. (in MD only) Providing duplication of benefits provided under any Motor Vehicle Responsibility Law (in PA only) These may vary by State. NON-DUPLICATION OF BENEFITS Benefits are not payable under the policy for expenses incurred to the extent that such expenses are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount; or for any other state or federal worker s compensation plan, or other governmental program (except Medicaid). For purposes of satisfying the Elimination Period, days on which you are eligible for benefits, but coverage is excluded due to the Non-Duplication of Benefits provision, will count toward satisfaction of the Elimination Period. State Specific Supplements Several states require the publication of additional information regarding this brochure. Click on your state below, if applicable, to review the additional information required by your state. Alaska Colorado Connecticut Florida Georgia Hawaii Illinois Indiana Maryland Massachusetts Minnesota Missouri Montana New Jersey New York North Carolina Oklahoma Oregon Pennsylvania South Carolina South Dakota Tennessee Vermont Virginia Washington Wisconsin

12 ALASKA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Alaska (Policy Forms MM-400-P-AK and Optional Riders): In the Daily Benefit Amount described on page 7, the maximum daily benefit will be $350. LTC4500aAK 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

13 COLORADO This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Colorado (Policy Forms MM-400-P and Optional Riders): Colorado Basic and Standard Long Term Care Plans are offered as policy numbers MM-201-P- 1-CO (Basic) and MM-202-P-1-CO (Standard). In Colorado, both a Basic Long Term Care Plan and a Standard Long Term Care Plan are required to be presented to you along with our SignatureCare SM Series. The State of Colorado has defined the Basic Long Term Care Plan as being suitable for sale to persons with moderate incomes and the Standard Long Term Care Plan as suitable for sale to persons with middle or high incomes. Both are intended as QUALIFIED plans. The following lists the benefits available under each of these plans. No other benefits, features, premium discounts or options are available under these plans other than those specifically listed: BASIC STANDARD Facility Care or Actual expenses incurred up to Actual expenses incurred Home Care Daily Benefit: $ per day up to $ per day Elimination Period: 60 days 60 days Maximum Benefit $115,000 $192,000 Additional Benefits Included in BOTH plans: Waiver of Premium Bed Reservation Case Management Services Home Modification and Supportive Equipment Caregiver Training Optional Benefits Available under BOTH plans: Compound Inflation Protection Shortened Benefit Period Nonforfeiture LTC4500aCO 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

14 CONNECTICUT This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Connecticut (Policy Forms MM-400-P-CT and Optional Riders): Respite Care is included in those services listed under Home and Community Care on page 6. In the Daily Benefit Amount described on page 7, the maximum daily benefit for Fairfield County will be $350. In addition to The Premium Waiver described on page 7, if the optional Home and Community Based Services benefit is selected, we will also waive your premiums after you have received 90 Home and Community Based Services visits. The Home and Community Based Services (HCBS) Waiver of Premium Benefit Rider, asdescribed on page 9, is not available. LTC4500aCT 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved

15 FLORIDA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Florida (Policy Forms MM-400-P-FL and Optional Riders): Benefits and Premium amounts will vary according to the coverage selected. All references to Nursing Facility are replaced by the term Nursing Home. The long term care insurance policy described in the Brochure is guaranteed renewable. This means you have the right, subject to the terms of the policy, to continue the policy as long as you pay your premiums on time. Massachusetts Mutual Life Insurance Company cannot change any of the terms of the policy on its own, except that, in the future, it may increase the premium you pay. FLORIDA LICENSED AGENT (Please Print) LTC4500aFL 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

16 GEORGIA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are that are unique to Georgia (Policy Forms MM-400-P-GA and Optional Riders): For the Elimination Period, referenced on page 7, if Home and Community Care Services is selected, the maximum elimination period is reduced to from 90 days to 60 days. Nonforfeiture Benefits and Nonforfeiture options (referenced on page 8) are called Continuation of Coverage Benefits and Continuation of Coverage options. The Full Nonforfeiture Rider referenced on page 8 is called the Full Continuation of Coverage Benefit Rider. The Shortened Benefit Period Nonforfeiture Rider referenced on page 8 is called the Shortened Benefit Rider. The Limitations and Exclusions referenced on page 11, is deleted and replaced with the following: No benefits will be paid and the Elimination Period will not be satisfied for any confinement, care, treatment or service(s): provided to you by a person in your Family; provided outside the United States or its territories, or Canada, except as described under Coverage Outside the United States in the Policy Benefits section of the Policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcoholism or drug addiction; provided in facilities operated primarily for the treatment of Mental or Nervous Disorders. However, this shall not operate to exclude coverage for loss which results from Alzheimer s or any other demonstrable organic disease or other organic brain disorders such as senile dementia, which are covered. For the Non-Duplication of Benefits referenced on page 11, the following statement is added: The Policy will provide for covered expenses that exceed the amount paid or payable under Medicare. LTC4500aGA 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

17 HAWAII This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Hawaii (Policy Forms MM-400-P-HI and Optional Riders): Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. In the Limitations and Exclusions provision referenced on page 11, the first bullet point is revised as follows: provided to you by a person in your immediate Family. LTC4500aHI 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

18 ILLINOIS This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Illinois (Policy Forms MM-400-P-IL and Optional Riders): All references to Long Term Care Insurance Policy are replaced by the term, Traditional Long Term Care Insurance Policy. All references to MassMutual representative are replaced by the term, MassMutual producer. Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. The section, entitled Non-Duplication of Benefits, also on page 11 of the Brochure, is deleted and replaced with the following: Effect on Benefits Due to Medicare or Other Governmental Programs Benefits are not payable under this Policy for (a) expenses incurred to the extent that such expenses are reimbursable under Medicare or would so be reimbursable but for the application of a deductible or coinsurance amount; or (b) for any other state of federal worker s compensation plan, or other governmental program (except Medicaid). For the purposes of satisfying the Elimination Period, days on which you are eligible for benefits, but coverage is excluded due to the Effect on Benefits Due to Medicare or Other Governmental Programs provision, will count toward satisfaction of the Elimination Period LTC4500aIL 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

19 INDIANA This supplement to your brochure will describe the benefits and features of SignatureCare that are unique to Indiana (Policy Forms MM-400-P-IN and Optional Riders): The Limited Family Caregiver Benefit Rider referenced on page 9 is not available. LTC4500aIN 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved

20 MASSACHUSETTS This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Massachusetts (Policy Forms MM-400-P-MA and Optional Riders): The references in the brochure to Nursing Facility are replaced by Nursing Home. Adult Day Care, referenced on page 6, also includes Dementia Day Care and Social Day Care. Home and Community Based Services, described on page 6, also includes benefits for home care, personal care services, and adult day health program. Policies with a daily benefit amount of $130 or greater qualify for MassHealth (Medicaid) Exemptions, and a 10 or 20 Year payment selection, referenced on page 8, will include the purchase of the Compound Inflation Protection benefit. The references in the brochure to Alternative Plan of Care are replaced by Alternate Plan of Care. The Full Nonforfeiture Rider is called Full Shortened Benefit Period Nonforfeiture Rider. Limitations and Exclusions (referenced on page 11 of the brochure) are deleted in their entirety and are replaced as follows: LIMITATIONS AND EXCLUSIONS No benefits will be paid and the elimination period will not be satisfied for any confinement, care, treatment, or service(s): provided to you by a person in your Family; provided outside the United States or its territories, or Canada, except as described under the Coverage Outside the United States in the Benefits Provision section of the Policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcohol or drug detoxification or rehabilitation; or provided in facilities operated primarily for the treatment of mental or nervous disorders, unless Facility Services provided for under the policy are performed in a specific wing or unit of such facility. The first paragraph of the Non-Duplication of Benefits provision, referenced on page 11, is deleted in its entirety and replaced with the following: Benefits are not payable under the policy for: (a) expenses incurred to the extent that such expenses are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount; or(b) for any other state or federal worker s compensation plan. LTC4500aMA 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

21 MARYLAND This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Maryland (Policy Forms MM-400-P-MD and Optional Riders): Under the Facility Services Only plan, referenced on page 6, an optional Hospice Care Program Benefit Rider is also available. If you become terminally ill, this option pays your actual expenses incurred under this Program, up to the Daily Benefit selected. In the Benefit Eligibility Provision on page 7, the definition of Licensed Health Care Practitioner is deleted and replaced with the following: A physician; a registered professional nurse; a licensed social worker; or other individual who meets such requirements as may be prescribed by the Secretary of the Treasury. The Full Nonforfeiture Rider, referenced on page 8 of the brochure, is not available. The Shortened Benefit Period Nonforfeiture Rider, referenced on page 8 of the brochure, is deleted in its entirety and is replaced by the following: SHORTENED BENEFIT PERIOD NONFORFEITURE RIDER If you lapse your policy after it has been in force for at least five years from the policy date and coverage is not reinstated, coverage will continue and the Daily Benefit payable will be equal to the Daily Benefit amount in effect on the Nonforfeiture Date, for the applicable Benefit Period shown in the Benefit Schedule of your policy. The Paid Up Survivor Benefit Rider referenced on page 9 is available. Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. LTC4500aMD 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

22 MINNESOTA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Minnesota (Policy Forms MM-400-P-MN and Optional Riders): Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. In the Limitations and Exclusions provision referenced on page 11, the first bullet point is revised as follows: provided to you by a person in your immediate Family. LTC4500aMN 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

23 MISSOURI This supplement to your brochure will describe the benefits and features of SignatureCare that are unique to Missouri (Policy Forms MM-400-P-MO and Optional Riders): Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. Limitations and Exclusions ( referenced on page 11of the brochure ) are deleted in their entirety and are replaced as follows: LIMITATIONS AND EXCLUSIONS No benefits will be paid and the Elimination Period will not be satisfied for any confinement, care, treatment, or service(s): provided to you by a person in your Family; received outside the United States or its territories, or Canada, except as described under Coverage Outside the United States in the Benefit Provisions section of the Policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcoholism or drug addiction; or provided in facilities operated primarily for the treatment of mental or nervous disorders. However, this shall not operate to exclude coverage for loss which results from Alzheimer s or any other demonstrable organic disease such as senile dementia or mental or nervous disorders resulting from physical injury. LTC4500aMO 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved

24 MONTANA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Montana (Policy Forms MM-400-P-MT and Optional Riders): References to spouses in the brochure are revised to read spouse/domestic partner. Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. LTC4500aMT 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

25 NEW JERSEY This supplement to your brochure will describe the benefits and features of SignatureCare that are unique to New Jersey (Policy Forms MM-400-P-NJ through MM-405-P-NJ and Optional Riders): The reference to Joint Discount on page 6 is deleted and replaced with the following: SignatureCare offers coverage to an insured and an additional insured under a policy with special rates. This policy provides identical coverage for each of you. All provisions of the policy apply to each insured individually and separately. All references to term joint coverage or joint policy shall be replaced with the term Additional Insured coverage or Additional Insured Policy. Under Premium Waiver referenced on page 7, premiums are waived for both the insured and an additional insured. Under the HCBS Waiver of Premium Benefit Rider referenced on page 9, premiums are waived for both the insured and an additional insured. The Paid-Up Survivor Benefit Rider referenced on page 9 is available. The Limitations and Exclusions on page 11 are deleted and are replaced as follows: LIMITATION AND EXCLUSIONS No benefits will be paid and the Elimination Period will not be satisfied for any confinement, care, treatment, or service(s): provided to you by a person in your Family; provided outside the United States or its territories, or Canada, except as described under the Coverage Outside the United States in the Benefits Provisions sections of the Policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of the disease of alcoholism or drug addiction; or provided in facilities operated primarily for the treatment of Mental or Nervous Disorders; or that results from sickness or injury for which benefits are provided under any state or federal workers compensation plan, or governmental program (except Medicaid). The Non Duplication of Benefits on page 11 is deleted and is replaced with the following: Benefits are not payable under this Policy for expenses incurred to the extent that such expenses are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount. For purposes of satisfying the Elimination Period, days on which you are Eligible for Benefits, but coverage is excluded due to the Non-Duplication of Benefits provision, will count toward satisfaction of the Elimination Period. LTC4500aNJ 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved

26 NEW YORK This supplement to your brochure will describe the benefits and features of SignatureCare that are unique to New York (Policy Forms MM-400-P-NY et al., and Optional Riders): All references in the brochure to Nursing Facility are replaced by Nursing Home. All references to Home and Community Based Services are replaced by Home Care Services. The Daily Benefit Amounts, referenced on page 6, are available in increments of $10 from $100-$350 within the New York Metropolitan Area (the counties of Bronx, Kings, Nassau, New York, Queens, Richmond, Suffolk, Rockland and Westchester) and $70-$300 outside of the New York Metropolitan Area. Joint coverage, referenced on page 6, is available for Spouses and Domestic Partners only. The Full Nonforfeiture Benefit, referenced on page 8, is available through the combination of the Full Shortened Benefit Period Rider with the Full Return of Premium Benefit Rider. Full Shortened Benefit Period Nonforfeiture Rider: This rider provides a nonforfeiture benefit in the event of policy lapse due to nonpayment of premium. If the policy lapses due to nonpayment of premium, coverage will continue and benefits will be payable based on the daily benefit in effect on the date of lapse. The benefit amount payable becomes equal to the total of premiums paid for the policy and all riders The Full Return of Premium Benefit Rider provides benefits in the form of a Return of Premium upon death of the insured (last to die under joint coverage). The Limitations and exclusions, referenced on page 11, are deleted and replaced by the following: No benefits will be paid for any confinement, care, treatment, or service(s): provided to you by a person in your immediate Family or any Secondary Insured named on the Benefit Schedule; provided while the insured is outside the United States and its possessions; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcoholism or drug addiction; or provided in facilities operated primarily for the treatment of Mental or Nervous Disorders. The Non-Duplication of Benefits provision, referenced on page 11, is deleted and replaced by the following: Benefits are not payable under the policy for expense incurred to the extent that such expenses are reimbursed under Medicare or would be so reimbursed but for the application of a deductible or coinsurance amount; or for services for which benefits are provided by any other state or federal worker s compensation plan, or other governmental program (except Medicaid). For purposes of satisfying the Elimination Period, days on which you satisfy the conditions on Eligibility for Payment of Benefits, but coverage is excluded due to Non-Duplication of Benefits, will count toward satisfaction of the Elimination Period. LTC4500aNY 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved

27 NORTH CAROLINA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to North Carolina (Policy Forms MM-400-P-NC and Optional Riders): On page 7 of the Brochure, under Benefit Eligibility, the term continence is defined as the ability to maintain control of bowel and bladder function; or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for catheter or colostomy bag). Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. The first paragraph under the heading of Non-Duplication of Benefits (referenced on page 11) is deleted in its entirety and replaced by the following: Benefits are not payable under the Policy for: expenses incurred to the extent that such expenses are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount; or; any benefits paid or payable under any federal workers compensation plan, or other governmental program (except Medicaid); or occupational injury or sickness which are paid under the North Carolina Workers Compensation Act but only to the extent such services or supplies are the liability of the employee, employer or workers compensation insurance carrier according to a final adjudication under the North Carolina Workers Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers Compensation Act. LTC4500aNC 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

28 OKLAHOMA This supplement to your brochure will describe the benefits and features of SignatureCare SM that are unique to Oklahoma (Policy Forms MM-400-P-OK and Optional Riders): On page 7 of the brochure the term pre-existing condition is defined as a condition for which medical advice or treatment was recommended by, or received from a provider of health care services, within six (6) months preceding the effective date of coverage of an insured person. Massachusetts Mutual Life Insurance Company s SignatureCare long term care insurance covers pre-existing conditions. Nonforfeiture Benefits: If you choose not to select either of the optional Nonforfeiture riders described on page 8 of the brochure, a contingent benefit upon lapse will be available if: (a) the policy lapses as described under the Grace Period and Unintentional Lapse provisions of the policy; and (b) the premium rates for the policy are substantially increased. The benefit provided will be in the form of a Shortened Benefit Period as described on page 8 of the Brochure in the Shortened Benefit Period Nonforfeiture rider provision. LTC4500aOK 2005 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved.

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