Long Term Care Insurance Policy, Page 9

Health Agency who meets one of the following requirements. He or she:

• is a duly licensed registered nurse, licensed vocational nurse, licensed practical
nurse, registered physical therapist, registered occupational therapist, registered
speech therapist, registered respiratory therapist, licensed social worker, or registered
dietitian; or

• must be currently qualified as a certified home health aide or certified nurse aide; or

• must be currently included in a government sponsored nurse aide registry.

• In the case of a home health aide or nurse aide who does not meet one of the standards set forth above, such aide must present written proof of completion of an established training course which must include training in safely assisting persons with the Activities of Daily Living.

Hospice Care means a program for meeting Your care needs if You are Terminally Ill. Terminally Ill means there is no reasonable prospect of cure and You have a life expectancy, as estimated by a Physician, of 12 months or less. Hospice Care must be provided by an organization that is licensed to provide such care according to the laws of the jurisdiction in which it is located. Hospice Care is limited to those services received by You. You must satisfy Your Elimination Period before receiving benefits for Hospice Services. Hospice Care may be provided in Your Home, a Nursing Home, an Assisted Living Facility, and Adult Day Care Center or in a Hospice Care facility.

Immediate Family means Your spouse or Partner, or the following relatives of You or Your spouse or Partner: parents, stepparents, grandparents, siblings, children, stepchildren, grandchildren, and their respective spouses. For purposes of this definition, “Partner” means the unmarried person who is not related to You with whom You have lived in a committed relationship for at least 5-years prior to the date You applied for this Policy. This person is the individual You named in Your application or other subsequent document as Your Partner in order to obtain the Partner premium discount under this Policy.

Independent Care Manager means:

• a registered nurse;

• a licensed social worker;

• an individual who holds the designation of a ‘Care Manager’ from the National Association of Professional Care Managers; or

• a person with a Masters degree in Gerontology (or equivalent) from an accredited school of Gerontology.

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