OPTION 01 · HOME CARE
Home Care Plus
For medically necessary professional care at home.
Care focus
Professional home care services that meet the policy’s medical-necessity and visit requirements.
Benefit type
Weekly home care indemnity benefit, with a daily hospital indemnity benefit in the base plan.
Benefit period
A choice of covered weeks, subject to the policy.
Waiting period
Ask us to confirm the current waiting-period options and when benefits can begin.
Where care is received
At home, from an eligible professional provider.
OPTION 02 · RECOVERY CARE
Home Recovery Care
For qualifying professional or personal care at home.
Care focus
Home care when daily-living or cognitive-impairment conditions and service requirements are met.
Benefit type
Weekly home care indemnity benefit.
Benefit period
A choice of covered weeks per period of care, subject to a lifetime maximum.
Waiting period
Ask us to confirm the current elimination period and benefit conditions.
Where care is received
At home, from an eligible home care provider.
OPTION 03 · LONGER-TERM PLAN
Long-Term Care Insurance
For planning around a potentially extended need for care.
Care focus
Ongoing assistance with daily activities or other covered needs, depending on the policy.
Benefit type
Benefit amounts and payment methods vary by policy.
Benefit period
Often designed for a longer period; limits vary.
Waiting period
Often called an elimination period; terms vary.
Where care is received
May include home, assisted living, or a facility, depending on the policy.
