24/7 Customer Service 703 - 763 - 4902
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LONG TERM CARE EVALUATION AND COMPARISON CHECKLIST
What is the annual premium?
Is the policy qualified or non-qualified?
How long is the free-look period?
What services covered?
__ Nursing home care
__ Custodial care
__ Assisted-living care
__ Adult day care
__ Home health care
__ Other
Is it a reimbursement or per diem policy?
What is the daily pay for the following?
__ Home health care
__ Facility care
__ Other
What is the benefits length for the following?
__ At home care
__ Facility care
Does the policy have a maximum lifetime benefit?
__ If yes, what is it?
Does the policy have maximum lifetime length of coverage for each period of confinement for the following?
__ At home care
__ Facility care
What is the waiting period for preexisting conditions covered?
What is the elimination period for the following?
__ At home care
__ Facility care Is there an age range for enrollment to the policy?
Does the policy have a waiver-of-premium provision for the following?
__ At home care
__ Facility care
How long is the waiting period for insured to receive benefits before premiums are waived?
Does the policy offer an inflation protection? If yes,
__ What is the rate of increase?
__ What type of option is it?
__ How often is it applied?
__ To what benefits is it applied?
__ For how long?
__What is the additional cost?
What nonforfeiture options available?
