Frequently Asked Questions

Benefits are paid each week you receive three or more 1-hour professional home care service visits in your home, provided you cannot perform two or more activities of daily living (ADLs) or you have a cognitive impairment, including Alzheimer's or dementia.

No prior hospital stay is required. There is also no deductible or elimination period before benefits begin.

Home care providers can include licensed or approved providers of your choice. Covered services may include:

Personal or homemaker care: help with eating, bathing, toileting, dressing, personal hygiene, moving in and out of a bed or chair, laundry, light housekeeping, and meal preparation.

Medical care: nursing care, physical therapy, occupational therapy, speech therapy, and nutritionist services.

Companion care: help taking medications, transportation to and from appointments, and shopping for food, medication, or medical supplies.

Issue ages are generally available from 50 to 89.

Weekly benefits can be selected up to $3,000 in increments of $150 per week.

Benefit period options include 13, 26, 39, or 52 covered weeks for each period of care.

The lifetime maximum benefit is equal to twice the number of covered weeks you select.

You can select a weekly home care benefit up to $3,000, in $150 increments, based on the plan options available in your state.

Because benefits are paid directly to you or your provider regardless of actual care costs, many families use these funds to help cover local home care, homemaker services, therapy, and related recovery needs.

No deductible or elimination period is required under this Home Recovery Plan design.

Once you meet the plan's benefit trigger, eligible benefits can begin according to the policy terms.

A pre-existing condition is generally one for which the insured was medically diagnosed, treated, or for which medical advice was received during the six months before the coverage effective date.

Pre-existing conditions are not covered unless the loss begins more than six months after the coverage effective date.

Premiums may be changed upon renewal. Any change in premium will apply to all policies of the same type issued in your state.

You will be given at least 45 days' advance notice in writing before any premium change occurs.

Inflation protection is generally not included in this specific policy design.

For many applicants, especially at older issue ages, a shorter benefit timeframe may make inflation protection less critical, but options vary by plan and state. Review your outline of coverage for details.

To be eligible, the company must receive documentation showing that the insured is unable to perform two or more ADLs without substantial assistance or has a cognitive impairment.

A physician must certify that home care services are necessary as part of a Home Care Plan.

Products are issued by a Fortune 500 carrier. Claims are handled with the goal of fulfilling commitments in a timely, straightforward manner.