• Eligible employees
• Spouses or domestic partners
• Parents and grandparents of the employee or of the employee’s spouse or domestic partner
• Adult siblings or adult children of the employee or the employee’s spouse or domestic partner
• Non-Medicare eligible retirees and retirees’ spouse or domestic partner.

• Newly eligible employees can enroll for a $4,000 monthly benefit with a benefit duration of six years as a guarantee issue within 60 days of their hire date. Application beyond this 60-day period requires submission of a medical history statement for review by the plan’s underwriting.
• For $5,000 or $6,000 monthly benefit or unlimited duration coverage, all individuals, including newly eligible employees, must complete a medical history statement.
• Family member enrollment is subject to medical underwriting at all times.

• Facility monthly benefit amount : $1,000 for three years
• Long term care in assisted living facility, adult foster care home and residential care facility at 60 percent of facility benefit amount
• Professional home care at 50 percent of facility benefit amount
• Elimination or waiting period: 90 days (satisfied only once per lifetime).

• Facility monthly benefit amount: $2,000, $3,000, $4,000, $5,000* or $6,000*
• Benefit duration: three years, six years or unlimited*
• Total home care: 50 percent of facility benefit amount
• Inflation protection: Five percent simple uncapped yearly.

• Guaranteed renewable for as long as you pay your premiums on time
• Waiver of premium: once you qualify for benefits, satisfy your elimination period, and are receiving benefits, your premium payments are waived
• Tax-free benefit: premium payments are not taxed.

Require substantial assistance with two out of six activities of daily living (ADLs) for more than 90 days (elimination period) (ADLs are bathing, toileting, dressing, transferring, continence, eating;

Suffer severe cognitive impairment that requires substantial supervision

The ADL loss must be expected to last for a period of at least 90 days, as certified by a physician. (Recertification must occur every 12 months by a physician to confirm that the disability still exists.);

Care must be provided pursuant to a plan of care prescribed by a licensed healthcare practitioner.

In a long term care facility, an assisted living facility, an adult foster care home or a residential care facility with an Alzheimer’s care endorsement;

At home, through professional home care, where care can be provided through a licensed home healthcare provider, or total home care, where care can be provided by anyone you choose, including family and friends.

• War (declared or not) or any act of war
• Attempted suicide (while sane or insane) or self-destruction
• Commission of a crime for which you have been convicted under state or federal law or attempting to commit a crime under state or federal law; disability or confinement during which you are outside of the U.S., its territories or possessions for longer than 30 days
• Alcoholism or alcohol abuse; a disability caused by voluntary use of any controlled substance unless the controlled substance is prescribed for you by a physician

• For a period in which you are confined in a hospital other than if you are confined in a nursing facility that is a distinctly separate part of a hospital (this exclusion does not apply to those periods covered under the bed reservation benefit
• Caused by psychological or psychiatric or mental conditions, regardless of cause, which include depression, generalized anxiety disorders, personality disorders, schizophrenia, manic-depressive disorders, adjustment disorders, and other conditions that are usually treated by a mental health provider or another qualified provider using psychotherapy, psychotropic drugs or similar methods of treatment.