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LTCi Quick Pass

ONE PAGE APPLICATION

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• PF 3 Comprehensive

• Simple Solutions

• Secured Risk - Substandard

• Independent Living 4

• Independent Living 5

• Assisted Living Plus

• Assisted Living Plus 2

• State Approvals

• Lead Programs

• 2008 Incentive Trip

 

Penn Treaty Long-Term Care Insurance

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Products Overviews

Personal Freedom^® 3 Comprehensive LTCi

Personal Freedom® 3 will pay up to 100% of the Maximum Daily Benefit for all levels of care including: Assistance with Instrumental Activities of Daily Living Assistance with Activities of Daily Living Skilled Care. Community based benefits include: Adult Day Care Facilities Hospice Care Meals on Wheels. Home Health Care benefits cover: Family Members Private Caregivers Home Health Aides, RN's and LPN's, and Home Health Agencies. Facility Care benefits cover: Assisted Living Facilities Nursing Facilities Issue Age 40-89 may apply $50-$350 Maximum Daily Benefit Options 1,2,3,4,5,6,7 Years 40-84 for NTQ Built In Features Tax Qualfied/Non Tax Qualified Bed Reservation up to 60 days Restoration of Benefits Alternative Plan of Care International Coverage Respite Care 5 Year Rate Guarantee Waiver of Premium as low as 30 days 20% Marital Discount Pre-Existing Conditions covered immediately Care SolutionsSM Optional Benefits 5% Compound Inflation 5% Simple Inflation Guaranteed Purchase Option Spousal Waiver of Premium Survivorship Benefit Shared Care Benefit 1st Day Coverage 1st Day of Waiver of Premium

Secured Risk - Substandard LTCi Plan

Secured Risk Nursing Facility® pays up to 100% of the Maximum Daily Benefit for Assisted Living and Personal Care Facilities, as well as Skilled Nursing Care Facilities, Intermediate and Custodial Care. This plan can be used coupled with optional home health care benefits. Conditions We Cover : Parkinson's Disease Kidney Failure Cirrhosis of the Liver Multiple Sclerosis Cystic Fibrosis Organ Transplant Poorly Controlled Diabetes Severe Osteoporisis Issue Ages : Ages 40-89 may apply $50-$100 Maximum Daily Benefit Options. 1, 2, and 3* Years *Benefit not available in all states. Built In Features : Licensed Facility Benefits 120 Day Elimination Period 10% Marital Discount Pre-Existing Conditions Covered After Six Months Guaranteed Renewable for Life Tax Qualified Plan Only Optional Benefits : Lifetime Inflation Rider Nonforfeiture Benefit Rider Home Health Care Rider

Independent Living^® 4 Stand Alone Home Health Care

Independent Living® 4 provides benefits for all levels of care at home and will pay up to 100% of the Maximum Daily Benefit for all levels of care including: Homemaker Care Home Health Care Personal Care Respite Care Adult Day Care Hospice Care Meals on Wheels (up to $25.00/day). Family members will be paid up to 100% of the Maximum Daily Benefit for providing home health care, personal care, and/or homemaker care. Family members may be reimbursed for any training costs. We pay a Maximum Lifetime Benefit of up to 5 times the selected Maximum Daily Benefit. Issue Ages: 40-89 may apply $60-$300 Per Day Maximum Daily Benefit 1,2,3,4,5 Years First Day of Coverage Built In Features: Tax Qualfied/Non Tax Qualified Weekly Spending Account Pre-Existing Conditions covered immediately No Prior Hospitalization Required Alternative Plan of Care 10% Marital Discount Waiver of Premium Restoration of Benefits Guaranteed Renewable Optional Benefits: Assisted Living Plus sm Rider Nonforfeiture/Return of Premium Benefit Rider Lifetime Inflation Rider

Independent Living^® 5 Stand Alone Home Health Care

Independent Living® 5 provides benefits for all levels of care at home and will pay up to 100% of the Maximum Daily Benefit for all levels of care including: Assistance with Instrumental Activities of Daily Living and Skilled Care. Community Care benefits includes coverage for Adult Day Care Hospice Care Respite Care Meals on Wheels. Family Members will be paid up to 100% of the Maximum Daily Benefit for providing home health care, personal care, and/or homemaker care. They also may be reimbursed for any training costs. Issue Ages: 40-89 may apply $50-$200 Per Day Maximum Daily Benefit 1,2,3,4,5,6,7 Years 40-84 for NTQ Built In Features: Tax Qualfied/Non Tax Qualified Service Days Alternative Plan of Care Waiver of Premium 10% Marital Discount Pre-Existing Conditions covered immediately Care SolutionsSM Optional Benefits: 5% Compound Inflation 5% Simple Inflation Guaranteed Purchase Option Spousal Waiver of Premium Survivorship Benefit Shared Care Benefit Restoration of Benefits

Assisted Living Plus ^SM Stand Alone Facility Care

Assisted Living PlusSM 2 will pay up to 100% of the maximum daily benefit for all levels of care in a licensed facility including: Assisted Living Facilities Nursing Facilities Adult Day Care Facilities Hospice Care Christian Science Facilities Issue Ages: 40-89 may apply $60-$300 Per Day Maximum Daily Benefit 1,2,3,4,5 Years First Day Coverage Built In Features: Tax Qualified/Not Tax Qualified 3 Year Rate Guarantee Bed Reservation up to 30 days Adult Day Care Facilities 50% of daily benefit Hospice Care 50% of daily benefit Respite Care 50% of daily benefit Pre-Existing Conditions covered immediately No Hospitalization Required 10% Marital Discount Waiver of Premium Alternative Plan of Care Restoration of Benefits Guaranteed Renewable Care SolutionsSM Optional Benefits: Optional Independent Living® Rider Nonforfeiture Premium Benefit Rider Lifetime Inflation Rider

Assisted Living Plus^SM 2 Stand Alone Facility Care

Assisted Living PlusSM 2 will pay up to 100% of the maximum daily benefit for all levels of care in a licensed facility including: Assisted Living Facilities Nursing Facilities Adult Day Care Facilities Hospice Care. Issue Ages: 40-89* may apply (  *40-84 for NTQ ) $50-$350 Per Day Maximum Daily Benefit 1,2,3,4,5,6,7 Years  Built In Features: Tax Qualified/Non Tax Qualified Restoration of Benefits Alternative Plan of Care Respite Care 5 Year Rate Guarantee Waiver of Premium as low as 30 days 10% Marital Discount Pre-Existing Conditions covered immediately Care SolutionsSM Optional Benefits: Optional Independent Living® Rider 5% Compound Inflation 5% Simple Inflation Guaranteed Purchase Option Spousal Waiver of Premium Survivorship Benefit Shared Care Benefit