Insurance Programs

Long Term Care
Product Information

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We are pleased to offer a Long Term Care Insurance Plan, underwritten by The Prudential Insurance Company of America (Prudential), which has been developed under the close supervision of the AICPA Insurance Trust. The Long Term Care Insurance Plan offers expanded eligibility, additional features and, best of all, it continues the long-standing tradition of providing a quality product for AICPA members and their families (spouse, adult children and their spouses, domestic partner*, parent, parent-in-law, grandparent, or grandparent-in-law).

* Domestic partners may not be recognized in all states.

Visit Prudential's Online Information Center for:

• Plan enrollment - Enroll today!
• Plan Description - Learn more about the specific benefits available to you
• Outline of Coverage - provides an overview of plan benefits available, premium rates and a description of plan exclusions and limitations.
• Long Term Care Shopper's Guide - Access the NAIC Shopper's Guide and state specific shopper's guides, where applicable
• Rate Quote Calculator - Calculate rates based on your age and the plan options you choose. Also see the cost to you if you wait until you are older to enroll.
• Group Long Term Care Learning Center - Find out more about long term care and what options exist to help offset the cost of long term care services.

This descriptive material is pending approval in Texas and Vermont.

Expanded Eligibility - With Long Term Care, grandparents, grandparents-in law and domestic partners can enjoy the same affordable protection to help offset the high cost of long term care in the event of a chronic illness or disability.

Choice of Coverage Amounts and Benefit Periods that are right for you - Choose from a selection of Daily Maximum Benefits (up to $300), Home Care options (60% or 100% of the Daily Maximum Benefit amount) and Benefit Payment Periods (3, 5 or 10 years) that are most appropriate to your needs. Premiums vary depending on benefit plan selected.

Premium Contributions - Are determined by your age at enrollment and will not increase due to an increase in your age*. By enrolling at an earlier age your premiums will generally be significantly lower than if you enroll at later ages. More importantly you will receive help in safeguarding your financial assets.

* Prudential has the right to increase premium contributions in the future, but only on a class basis. Your premium contributions will only increase if you increase your benefit amount.

Valuable Benefits, including:

• Informal Care Coverage - allows an unpaid person, typically a family member or friend who regularly provides home health care or personal care to you at home, to receive compensation.
• Caregiver Training Benefit - Provides training for an informal caregiver, up to $500. Benefits paid reduces your Lifetime Maximum benefit.
• Private Care Management - Provides a pool of money each calendar year equal to 12 times the Daily Maximum Benefit elected for Private Care Consultant services not affiliated with Prudential. Benefits paid reduces your Lifetime Maximum benefit.
• Choice of Daily Maximum Benefit, up to $300.
• Restoration of Benefits - the lifetime maximum benefit amount is restored to the level in effect prior to claim if you are no longer considered chronically ill or disabled for at least six consecutive months and you no longer meet benefit eligibility criteria.
• Contingent Non-Forfeiture Benefit Option - provides shortened benefit period/non-forfeiture benefit if your coverage lapses after a substantial rate increase. This benefit is part of the base plan. You may elect the optional Non-Forfeiture Benefit Rider as part of your long-term care coverage. This optional rider provides for a shortened benefit period if your coverage lapses because of nonpayment of premium for any reason including a substantial rate increase. The Non-Forfeiture Benefit Rider is available at an additional cost and will replace the coverage offer under the Contingent Non-Forfeiture Benefit in the base plan.

Underwritten by The Prudential Insurance Company of America.