Long Term Care
Product Information
We are pleased to introduce a new Long Term Care Plan, which has been developed under the close supervision of the AICPA Insurance Trust. The new Long Term Care Plan offers expanded eligibility, additional features, lower rates 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).
Expanded Eligibility - Now, 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 debilitating accident or illness as AICPA members, their spouses, parents and parents-in-law.
Choice of Coverage Amounts and Benefit Periods that are right for you – Choose from a selection of Nursing Home Care benefits (up to $300), Home Care options (60% or 100% of the daily benefit amount) and Benefit Payment Periods (3, 5 or 10 years) that are most appropriate to your needs.
Locked-In Rates - Base rates are determined by your age at enrollment and will not increase with age. By enrolling now, you will lock in the lowest rates, and also lock in the important protection that can safeguard your financial assets.
New Valuable Benefits, including:
- Informal Care Coverage – now allows an unpaid person, typically a family member or friend, to receive compensation for assisting with activities of daily living.
- Caregiver Training Benefit – provides training for an informal caregiver, up to $500.
- Increased Care Counseling – now allows 12 private care management consultations.
- Choice of daily benefit payments, up to $300.
- Restoration of Benefits – the lifetime maximum benefit amount is restored to the original level if an insured returns to normal activities for at least six months.
- Contingent Non-Forfeiture Benefit Option – provides shortened benefit period/non-forfeiture benefit if the policy lapses after a specified rate increase.
Visit Prudential's Online Information Center for:
- Plan enrollment - Enroll today!
- Plan Description - Learn more about the specific benefits available
to you
- 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 pay for it
*Not available in Louisiana and Virginia.
Underwritten by The Prudential Insurance Company of America.
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