Long Term Care Insurance Policy, Page 3
TABLE OF CONTENTS
SCHEDULE OF BENEFITS
PART 1 WORDS AND PHRASES
PART 2 YOUR LONG-TERM CARE BENEFITS
Eligibility for the Payment of Benefits
Conditions
Limitations
Charges Not Covered
Long-Term Care Benefit
Stay At Home Benefit
Respite Care Benefit
Care
Advisory Services
Benefit
Waiver of Premium Benefit
Extension of Benefits
International Coverage Benefit
Return of Premium Benefit upon Death
PART 3 EXCEPTIONS
Exceptions
Non-Duplication of Benefits
Coordination with Other Long Term Care Insurance Policies
PART 4 CLAIMS
Notice of Claim
Claim Forms and Proof of Loss
Claims Evaluation Process
Time of Payment of Claims
Payment of Claims
Misstatement of Age
Appeals
Legal Action
PART 5 PREMIUMS AND REINSTATEMENT
Payment of Premiums
Grace Period
Reinstatement
Added Protection Against Lapse
Refund of Unearned Premiums at Death
PART 6 GENERAL PROVISIONS
Entire Contract and Changes
Time Limit on Certain Defenses/Misrepresentation
Conformity with State Laws
Right to Recovery
Policy Termination
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