Long Term Care Insurance Policy, Page 8

Elimination Period (waiting period) means the number of Dates of Service that would otherwise be covered by this Policy, for which We will not pay benefits.

The Elimination Period is shown in the Policy Schedule. Only one complete Elimination Period needs to be satisfied while Your Policy is in force. The Elimination Period starts on the first Date of Service. No Date of Service may be counted as more than one day towards the satisfaction of Your Elimination Period. The Dates of Service used to satisfy Your Elimination Period do not need to be consecutive and may be accumulated under separate claims.

We will not pay benefits for charges during the Elimination Period, except for Care Advisory Services, Respite Care and the Stay at Home Benefit. Days that You only receive Respite Care will not count toward the satisfaction of Your Elimination Period. If You receive Home Health Care for one or more days in a Calendar Week, We will apply seven days toward the satisfaction of Your Elimination Period, except if Respite Care is being received during the Calendar Week. If Respite Care is received during a Calendar Week, only the actual Dates of Service other than Respite Care will be applied toward satisfaction of Your Elimination Period. Please note that there will be no credit of days which occur before Your first Date of Service. (Calendar Week means the seven consecutive day period that begins on Sunday at 12:01 a.m.)

Home means Your primary residence, including Your independent living quarters in a continuing care retirement community or similar entity. It does not include a Nursing Home, an Assisted Living Facility, an Alzheimer’s facility, an Adult Day Care Center, a rest home, a hospital or rehabilitation facility/hospital, or a facility for the treatment of alcoholism, drug addiction or mental illness.

Home Health Care means medical and non-medical professional or personal care services provided in Your Home to assist You in the Activities of Daily Living or to give supervision needed because of Your Cognitive Impairment. These services must be provided by a Home Health Care Provider. Home Health Care also includes Incidental Homemaker Services.

Incidental Homemaker Services means services incidental to care with the Activities of Daily Living or because of a Cognitive Impairment which are included in a Plan of Care and which provide one of more of the following nonmedical support services necessary for You to remain in Your home: meal preparation; laundry; light housekeeping; supervising self-administration of medication; and shopping for medication, medical supplies or food. Incidental Homemaker Services must be provided during the same visit and by the same individual providing care with the Activities of Daily Living or because of a Cognitive Impairment.

SAMPLE LONG TERM CARE INSURANCDE POLICY

Home Health Care Provider means either a Home Health Agency or an Independent Home Health Care Provider that provides Home Health Care. A Home Health Care Provider cannot be a member of Your Immediate Family except as provided in the "Exceptions" section of the Policy or an individual who normally resides in Your Home.

• A Home Health Agency must meet one of the following requirements:

• it is licensed as a Home Health Agency by the jurisdiction in which the Home Health Care
is provided; or

• it possesses one of the following certifications in the jurisdiction in which the Home Health
Care is provided - Medicare Certification; Joint Commission of Accreditation of Health Care
Organizations (JCAHO) Certification; or Community Health Accreditation Program (CHAP)
Certification; or

• it provides Home Health Care through 2 or more employees of an organization that is in
the business of providing Home Health Care according to the laws of the jurisdiction in
which it is located.

• An Independent Home Health Care Provider means a care provider not employed by a Home

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