Allows you to access benefits under your partner’s identical policy should you run out of benefits but still need long-term care services.
0 Day Home Care
Waives the elimination period for home care services.
Waives premium payments for a surviving partner if one partner dies after both policies have been in force for 10 years.
Joint Waiver of Premium
Waives premium payments on both partners’ policies while one partner is receiving covered long-term care services.
Policy becomes paid-up after 10 year of premium payments. Premium is guaranteed not to increase. (not available in all states or on all products)
Return of Preium
Returns premiums you paid, excluding any benefit payments you received. Return of premium options include:• Three times the maximum monthly benefit*• If death occurs prior to age 65• At death*The policy must be in force for 10 years. Excludes any inflation increases. If coverage is decreased, premium returned will be based on the decreased amount.