additional benefit for Home and Community Care available for 4044 only.
What is Informal Caregiver Training?
100
We will pay the actual charges incurred for a provider of Home Health Care up to 7-times the Home Health Care Daily Benefit as shown in the Policy Schedule in a Calendar Week
What is Weekly Home Health Care Benefit Rider?
100
a covered service for retired insured to receive HHC while in an institution that provides residential care.
What is Home Convalescent Benefit?
100
It it includes Personal Care Advocate and Benefit Specialist.
What are Care Advisory Benefits?
100
it made the 7062 policy a non-TQ.
What is 7072 rider?
200
it has 1 benefit (pool of money) for NH w/ ACB and Home and Community Care
What is 4044 Comprehensive policy?
200
It can be used to pay for a variety of long-term care expenses while insured is at Home* that are not otherwise covered under the Policy
What is Flex Fund benefit rider?
200
the Policy will pay for the same # of days of related confinement for which insured received Nursing Home Facility Benefits and Released from SNF and stay in environment other than SNF or hospital.
What is Return to Home Benefit?
200
It has no WOP provision.
What is 4061/6061?
200
It is the 3rd BE trigger
What is Chronically Ill?
300
the only core benefit not available for 4042
What is WOP?
300
This means that Policy is fully paid-up and no further premiums will be due at the end of tenth Policy year.
What is 10- year premium payment option endorsement?
300
due to hospitalization
21 per benefit period
apply to EP or pay expense
What is Bed Reservation?
300
the type of care that applies WOP after EP satisfied in 4062/6062 policy.
What is Nursing Facility or Alternate Facility Care
300
It is the language in the old policy that refers to Assisted Living Facility.
What is Alternate Facility?
400
“We will pay you the Daily Benefit for each day You are eligible for Nursing Facility Benefits and receive Nursing Facility Care.”
What is Indemnity Benefit?
400
If insured receive Home Health Care for one or more days in a Calendar Week, We will apply seven days toward the satisfaction of Your Elimination Period
What is Enhanced Elimination Period Rider?
400
provides a Family temporary periods of relief or rest in lieu of their caring for the Insured, paid up to 21 days/calendar year or 14 days may be consecutive
What is Respite Care?
400
the number of days payable for the temporary relief of an informal caregiver
What is 21 days?
400
ROB,Survivorship Benefit,Shared Care Benefit,Lapse Protection Benefit
What are Riders?
500
it has 2 separate benefits (NH w/ ACB ; Home and Community Care)
What is 4043 - integrated policy?
500
a period of 180 consecutive days elapses during which the Policy was in force and at no time did You require or receive:
• Substantial Assistance to perform at least two of the Activities of Daily Living; or
• substantial supervision to protect Yourself from threats to health and safety due to the presence of a Cognitive Impairment.
What is ROB?
500
it doesn't include ADLs in the BE requirements.
What is 988 or 989 series?
500
this is provision that does not apply to 4062/6062.
What is ROB?
500
the payment for care advisory benefit in a 7060 policy.