1 Life On Your Terms AMERICAN FIDELITY ASSURANCE COMPANY S Long-Term Care Insurance
2 Life on Your What is Long-Term Care? Almost all of us take for granted our ability to get out of bed, take a shower, get dressed, and make breakfast each day. If something happened and you could no longer perform these activities, Long-Term Care services would help provide you with the care you need. Long-Term Care services provide support and individual assistance with the activities of daily living or supervision of someone who is cognitively impaired. The care can be provided in various settings including your own home, adult day care, assisted living facilities, nursing homes, or hospice care. Long-Term Care insurance helps protect your financial independence should you ever be faced with a debilitating accident or develop a degenerative condition (stroke, Parkinson s Disease, etc.), a prolonged illness (cancer, lupus, etc.), or a cognitive disorder (Alzheimer s). The need for Long-Term Care insurance is not rare. It is beyond the ability of most families to provide for this type of care out of their own pockets. Though life sometimes limits one s options, American Fidelity Assurance Company s Long-Term Care Plan offers the power of choice to protect you and your family from substantial medical costs. Why Do You Need Long-Term Care Insurance? People today are living longer thanks to medical advances and healthier lifestyles. However, even with advancements, the chances of developing a chronic illness or disability increase with age. In fact, 40 percent of people over 65 will spend some time in a nursing home.* 40% OF PEOPLE OVER 65 WILL SPEND SOME TIME IN A NURSING HOME* * HIAA Long-Term Care Guide, January 2001
3 Terms... Housing All Your Options Just as every house needs a strong foundation in order to ensure safe and pleasurable living, American Fidelity s Long-Term Care Plan provides a basis of Home Health support. This level of security and attention allows support at home, where most people desire to receive their care. When Home Health Care no longer meets your needs, our Long-Term Care Plan keeps you covered. Similar to the different parts that come together to form the walls and roof around you, our Long-Term Care Plan provides several alternatives allowing for optimal flexibility. Some of the available forms of Long-Term Care available to you include: Adult Day Care that allows you to remain at home yet attend a community facility to receive care as needed. Assisted Living Facilities that provide appropriate support while you maintain independence with control over day-to-day activities. Nursing Home Care that gives you 24-hour assistance, including a specialty care facility or Alzheimer s facility. Hospice Care that supplies needed attention during the final months to the terminally ill at home or in a Nursing Home Facility. A home has different and important components that keep it strong and make it your own. Your Long-Term Care Plan should provide the same feeling of assurance. American Fidelity's Long-Term Care Plan is designed to house every level of care needed to face a Long-Term Care event.
4 WHAT WILL YOU DO AND WHO WILL PAY? Many depend solely on their family and friends to provide care. Others search for community programs, hospice, and home assistance opportunities. There are choices, but choosing the one that is right for you may not be possible if you rely solely on personal resources or government programs like Medicare. Though most people think Medicare is the answer to Long-Term Care, the truth is that most of the cost of Long-Term Care falls to the one who needs care. In fact, Medicare, Medicare Supplement insurance, or even personal health insurance may not be enough to cover the cost of the care you desire. (HIAA Long Term Care Guide, January 2001) Consider some of the drawbacks of the most obvious resources: Medicare pays only about 12 percent for short-term skilled nursing home care following hospitalization.* Medicaid only helps those who meet federal poverty guidelines or after nursing home residents spend down their assets to meet eligibility.* As a national average, a year in a nursing home is estimated to cost more than $50,000.* * HIAA Long-Term Care Guide, January 2001 PROTECT TOMORROW S ASSETS TODAY We spend a lifetime building a nest egg that will carry us through retirement. The high cost of Long-Term Care can quickly exhaust years of savings. The chart below demonstrates why Long-Term Care Insurance is a wise choice. For example: A 50-year-old purchases a policy. In 10 years, the premiums would total $8,306. Only 55 days of care would equal all premiums paid. ** Days to recover are total premiums paid divided by the maximum daily benefit in that year after a 90-day elimination period has been satisfied. Example policy reflects a $150 maximum daily benefit amount, 90-day lifetime elimination period, and a lifetime maximum benefit period. Preferred rate class used when calculating premium. CAN YOU AFFORD NOT TO HAVE ADDITIONAL SUPPORT IN SUCH A CRITICAL TIME? Depending on one s family is a heavy burden, and professional care comes at a cost. Planning today goes a long way in reducing the emotional and financial strain associated with Long-Term Care. Preserving your freedom to choose how to live out your years and reducing the effects on your family make Long-Term Care Insurance an important part of living life on your terms.
5 Your Life Together It s hard to imagine yourself needing Long-Term Care, but what if it was your spouse who suddenly required expensive attention due to an accident or illness. Where would you turn? Would you be physically and financially able to provide the quality care your spouse deserves? Our Spousal Rider allows you to provide for both you and your spouse in a time of need. This special opportunity allows you several advantages: Lower premiums than you would pay with two separate policies Identical coverage for you and your spouse Premiums are waived after either insured spouse meets the 90-day qualifying period Shared benefit pool allows spouses to share Plan resources Convenience of a single application with a single signature
6 Summary of Benefits American Fidelity s coverage allows you to live life under the care and conditions that are right for you. HOME HEALTH AND COMMUNITY CARE BENEFIT We pay actual charges up to 20 times the Maximum Daily Benefit Amount per month for each month that services are provided by a Home Health Care Agency, a licensed practitioner in your home, and/or a community-based Adult Day Care Facility. No elimination period applies to Home Health and Community Care Benefits. For example: Based upon the Maximum Daily Benefit Amount you choose, you receive actual charges up to 20 times that amount per month to cover the cost of care of any Home Health and Community Care Services. Here is an example of the maximum monthly benefit assuming a $150 daily benefit amount. DAILY BENEFIT BENEFIT MAXIMUM MONTHLY AMOUNT MULTIPLIER BENEFIT $150 X 20 = $3000 Your benefit period will effectively be extended if your daily charges are less than your daily benefit. This money can even be used to provide assistance for: Activities of Daily Living such as bathing, eating, and dressing Medical Attention, including assistance with medication, IV s, and bandaging Homemaker/Companion Services like shopping, paying bills, and laundry LONG-TERM CARE FACILITY BENEFIT For those requiring confinement in a Nursing Home Facility, Assisted Living Facility, Hospice Facility, Alzheimer s Facility, or Residential Care Facility, once the Elimination Period has been met, we pay actual charges up to the Maximum Daily Benefit Amount. BED RESERVATION BENEFIT We pay actual charges up to the Maximum Daily Benefit Amount at a Long-Term Care Facility to reserve your room should you require hospitalization. Benefits will also be paid for up to seven days per absence if you wish to leave the facility to visit family. You receive up to 30 days of Bed Reservation Benefits per calendar year. The Elimination Period must be met before benefits will be available. RESPITE CARE BENEFIT We pay actual charges up to the Maximum Daily Benefit Amount for up to 21 days per calendar year to temporarily relieve an unpaid person providing you with care in your home. This benefit is not subject to the Elimination Period. CAREGIVER TRAINING BENEFIT We pay up to a lifetime maximum of $500 for expenses incurred to furnish training for a family member on the methods necessary to provide care for you in your home. This benefit is not subject to the Elimination Period.
7 CARE COORDINATOR BENEFIT When a Long-Term Care event occurs, most people don t know where to start. By utilizing the optional care coordinator feature of this plan, you will have a valuable resource to assist you with designing a plan of care. You and your family will be assigned, at no cost to you, a health care professional qualified in assessing and coordinating your medical, personal, and social services. This allows you to make the best use of benefit dollars. The Care Coordinator becomes your source for the latest treatment options, alternative care options, help with establishing a Plan of Care, and monitoring your quality of care. The Care Coordinator may approve additional services including: Benefits for services such as home modifications, durable medical equipment, and other services or devices to meet special needs. Benefits paid will be up to a lifetime maximum of 100 times your Maximum Daily Benefit Amount. Homemaker/Companion services provided by family members (other than a spouse or a person living in your home). GUARANTEED PURCHASE OPTION BENEFIT If the Compound Inflation Rider is not elected, this Provision will allow you to increase your coverage without answering medical questions. This allows you to keep up with potential increases in Long-Term Care cost due to inflation. You will have the opportunity to increase your original Maximum Daily Benefit Amount and Lifetime Maximum Benefit Amount by 15 percent every three years from the policy s effective date. If you choose not to participate after two consecutive offers, you will not be eligible for future offers. Additional premium amounts will be based on your age and the rates at the time of election. The increase will apply only to the cost of additional coverage, not on the cost of the entire plan. Opportunities for increase end at age 84, or while the premium is waived. ADDITIONAL POLICY FEATURES Waiver of Premium: If you are continuously confined in a covered facility or have received Home Health Care/Community Care on a regular basis (15 days a month) for at least 90 days, the monthly premiums will be waived. Restoration of Benefits: This provision restores benefits to the Lifetime Maximum Benefit Amount if a Licensed Health Care Professional confirms that the covered person has not been Chronically Ill, confined in a covered facility, or received Home Health Care services on a regular basis, for a period of 180 consecutive days.
8 Qualification Requirements You must meet the following qualifying requirements to be eligible for benefits: PLAN OF CARE A declared course of action provided by a Licensed Health Care Practitioner in regard to your care, including such items as cost, type and frequency of care, and providers. CHRONIC ILLNESS OR SEVERE COGNITIVE IMPAIRMENT You must be Chronically Ill, making you unable to perform (without Substantial Assistance from another individual) at least TWO of the following Activities of Daily Living, expected to last for a period of at least 90 days: Continence Toileting Bathing Eating Dressing Transferring Or, you must require Substantial Supervision due to Severe Cognitive Impairment. This includes care for those who suffer from a limited intellectual capacity, such as that resulting from Alzheimer s disease and other forms of irreversible organic dementia. Your Benefits, Your Choices You preserve your future by making important decisions to tailor your plan to serve your needs. We offer a variety of options to meet those needs. ELIMINATION PERIODS You choose the Elimination Period to establish the required time that must be satisfied before benefits are payable. No Elimination Period applies to Home Health and Community Care Benefits. You will only need to meet an elimination period once during your lifetime for Long-Term Care Facility Benefits. The days of care you receive benefits for Home Health and Community Care services count toward satisfying this Elimination Period. Your Choices: 30-day Elimination Period 90-day Elimination Period 180-day Elimination Period MAXIMUM DAILY BENEFIT AMOUNTS You choose the amount to cover the daily expense of care. Your Choices: any amount in $10 increments ranging from $50-300
9 LIFETIME MAXIMUM BENEFIT PERIODS You choose the length of time benefits will be payable. Your Choices: 3-year 5-year Lifetime LIFETIME MAXIMUM BENEFIT AMOUNT Your Lifetime Maximum Benefit Amount is the pool of money used to pay for your benefits. You will be able to use the benefits you need, without losing any remaining funds. For example: If you elect a Maximum Daily Benefit Amount of $150/day and a Benefit Period of 5 years, your Lifetime Maximum Benefit Amount is $273,750. DAILY BENEFIT DAYS PER LIFETIME MAXIMUM LIFETIME MAXIMUM AMOUNT CALENDAR YR BENEFIT PERIOD BENEFIT AMOUNT $150 X 365 X 5 YEARS = $273,750 Your benefit period will effectively be extended if your daily charges are less than your daily benefit. Once the Lifetime Maximum Benefit Amount is exhausted under the Policy (and the Spousal Rider, if elected), coverage terminates. Optional Benefit Riders SPOUSAL RIDER This Rider provides coverage for an eligible spouse with the same Policy provisions, Benefit Periods, Elimination Periods, Lifetime Maximum Benefit Amounts, and Maximum Daily Benefits as the base Policy. Spousal Rider features include: Married Discount - Premiums for both you and your spouse will be at a discounted rate. Shared Pool Benefit - If you or your spouse use up all the benefit dollars available under the Lifetime Maximum Benefit Amount for either the Policy or Spousal Rider, this benefit allows you both to share the dollars in the remaining benefit pool. Spousal Waiver of Premium - If your spouse is continuously confined in a covered facility or has received Home Health Care/Community Care on a regular basis (15 days a month) for at least 90 days, the monthly premiums will be waived.
10 Optional Benefit Riders (cont.) COUPLES ENHANCEMENT RIDER If the Spousal Rider is elected, this rider offers a lifetime waiver of premium for the surviving spouse if either spouse should pass away. If coverage has been in effect for less than 10 years, the surviving spouse would only be required to pay their portion of all premiums until the 10th anniversary of this Rider. LIFETIME COMPOUND INFLATION PROTECTION RIDER Your Maximum Daily Benefit Amount is automatically increased by five percent each Policy anniversary. Each annual increase is based on the Maximum Daily Benefit Amount in effect on the day before the increase. NONFORFEITURE BENEFIT RIDER If you discontinue your premium payments after three consecutive years of payment, you may still be eligible to receive benefits from the plan. The Lifetime Maximum Benefit Amount will be reduced to either: a) 30 times the Maximum Daily Benefit Amount in effect at the time of lapse; or b) total premiums paid at the time of lapse, whichever is greater. Pre-existing Condition Limitation A pre-existing condition is a condition for which medical advice or treatment was recommended by or received from a physician within six months preceding the Policy Effective Date. Pre-existing conditions admitted on the application are covered immediately. Pre-existing conditions not listed on the application will not be covered until six months after the effective date of the policy. The issuance of this Long Term Care Insurance Policy is based upon your responses to the questions on your application. If your answers are incorrect or untrue, we may have the right to deny benefits or rescind your policy. Exclusions We will not pay the benefits of this Policy for that portion of any expense which is: (1) caused by Mental or Nervous Disorder, without demonstrable organic disease (NOTE: ALZHEIMER'S DISEASE AND ANY OTHER ORGANIC BRAIN SYNDROMES ARE COVERED BY THIS POLICY AS ANY OTHER SICKNESS); or (2) caused by alcoholism or drug addiction; or (3) caused by illness, treatment or medical conditions arising out of: (a) war or act of war (declared or undeclared); or (b) participation in a felony, riot or insurrection; or (c) service in the armed forces or units auxiliary thereto; or (d) suicide (while sane or insane), attempted suicide or intentionally self-inflicted injury; or
11 (4) for treatment provided in a government facility (unless otherwise required by law), services for which benefits are available under Medicare (or benefits would be available under Medicare except for the applicable deductible or coinsurance requirements) or other governmental program (except Medicaid); or (5) for services provided by a Family Member (unless approved under the Care Coordinator Benefit); or (6) for services for which no charge is normally made in the absence of insurance; or (7) for care received outside of the United States or its territories. We will not pay the benefits of this Policy for services or supplies for the treatment of an occupational injury or sickness which are paid under the North Carolina Workers Compensation Act 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. 30 DAY RIGHT TO EXAMINE You have 30 days after you receive your Policy to return it to American Fidelity Assurance Company. If you return your Policy within 30 days from the date you received it, the Policy will be void as of the Effective Date and all premiums will be refunded. GUARANTEED RENEWABLE FOR LIFE The Policy is guaranteed renewable for as long as you live, provided you pay the required premiums to keep coverage in force. We cannot cancel or refuse this Policy s renewal or increase premiums due to age or health. However, premiums may change if based on your premium class, but only if we change premiums for all similar policies in your state of issue. READ YOUR POLICY CAREFULLY This brochure is not an insurance contract and only provides a very brief description of the important features of your coverage. Refer to your insurance policy for actual provisions of your plan. HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 Under this ruling, a percentage of premium for "tax-qualified" Long-Term Care Plans may now be itemized as deductions for medical expenses, depending on age and adjusted gross income. This tax-favored status is a strong indicator that the government recognizes its inability to cover the costs of Long-Term Care through Medicare and Medicaid. This Policy is intended to be tax-qualified under the Health Insurance Portability and Accountability Act of Your Long-Term Care Plan NAME EMPLOYEE SPOUSE AGE ELIMINATION PERIOD DAILY BENEFIT LIFETIME MAXIMUM BENEFIT PERIOD OPTIONAL RIDERS $ Premium per. This is a premium worksheet with sample premium based on preferred rate class. This is not an application or policy for coverage and a plan cannot be issued without an application and full underwriting. This product contains limitations and exclusions.
12 A Brief Description of the Company American Fidelity Assurance Company is a unique, family-owned organization providing insurance products and financial services to educators, trade association members and companies throughout the United States and globally for more than 40 years. Since 1982, American Fidelity Assurance Company has been rated A+ (Superior)* by A.M. Best Company in Best s Insurance Reports: Life and Health, 2001 Edition. A.M. Best, considered one of the nation s leading insurance rating services, bases its ratings on an analysis of the financial condition and operating performance of insurance companies in such vital areas as: Competency of Underwriting, Control of Expenses, Adequacy of Reserves, Soundness of Investments and Capital Sufficiency. The 2001 Standard and Poor s Insurance Rating Report has given American Fidelity Assurance Company an Api rating. The qualified solvency ratings assigned by S&P are based on the analysis of quantitative data such as Capital Strength, Quality of Assets, Profitability and Liquidity. As stated in the Summer 2002 issue of Weiss Ratings Guide to Life, Health, and Annuity Insurers, AFA continues to maintain its A ** (Excellent) rating with Weiss Ratings, Inc., considered to be America s Consumer Advocate for Financial Safety. The A rating, on a scale of A+ to F, places American Fidelity Assurance Company on the list of Weiss Recommended Companies, an elite group of life, health and annuity companies representing the top 3.3 percent of the industry because of its fiscal strength and financial security. American Fidelity Assurance Company is founded on and driven by the principle of serving the customers and protecting their investment and continues to grow steadily through calculated growth and conservative investment practices. One hundred percent of our bond portfolio is in investment grade bonds. * 2000 A.M. Best Company Report, 2001 Edition, A+ is 2 out of 15 with 1 being the highest ** Summer 2002 Weiss Ratings Guide to Life, Health and Annuity Insurers, A is 2 out of 16 with 1 being the highest QLTC-02 (NC) AFA For more information about our products go to: American Fidelity Assurance Company is a proud sponsor of: Our secure Internet service offers you: Status of Claims Online Flex Inquiries Online Form Ordering AFA Contact Information Value and Status of Policies You can just print the forms you need! When you register, you will receive an account activation code in the mail to securely access your personal information. Education World where educators go to learn Home Office 2000 N. Classen Boulevard Oklahoma City, OK SB (NC) Publishing Date: 08/03
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