Traditional LTCi Example

  • Sample coverage:
    • $4,500/month for home care/assisted living/nursing home
    • 3-year benefit period ($162,000 pool of money)
    • 90-day elimination period
    • 3% compound inflation
  • Other coverage levels are available
  • Premiums are annual and do not represent any one carrier
  • With state approval, rates can increase
  • Policies are subject to medical underwriting before issuance

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