Benefits |
Advantage |
Advantage Plus |
| Coverage
Available |
Flexible based on
insured’s needs. Care can be provided in the home by licensed home
health care agencies, or family and friends, or in adult day care,
hospice care, assisted living facilities or a nursing facility. To
receive care by family and friends, that coverage option must be
selected. (The
Advantage Plus plan includes care provided by an independent
professional or Long Term Care facility.) |
| Monthly* Benefit Amounts
|
$1000 -$6000 in $100
increments |
$1000 - $8000 in $100
increments |
| Benefit Durations
|
2, 3, 6 years and lifetime
|
2, 3, 4, 5, 6 years and
lifetime |
| Elimination Periods
|
30, 60, 90, 180, and 365 days.
A 30-day EP must be fulfilled in consecutive days, and each new
disability requires a new EP.
An EP greater than 30 days must be fulfilled within 3 times the
EP; and must only be satisfied once. |
20,30, 60, 90, 180, 365, and 730 days.
n EP of less than 365 days must occur within a limited time
frame of 365 days.
An EP greater than 365 or 730 days must be fulfilled within
consecutive days.
The EP must only be satisfied once. |
| Lifetime Maximum Benefit
Amount |
Determined by multiplying the monthly benefit by 12 and then by
the benefit duration selected.
If any benefit dollars remain at the end of the benefit period,
the duration will be extended until the dollars have been
spent. |
| Rehabilitation &
Alternate Care Plans |
Designed to help you regain the ability to perform ADLs
independently; covers appropriate services and equipment to assist
living at home.
Terms are subject to mutual agreement between you, your Licensed
Health Care Provider and UNUM. |
N/A
|
| Alternative Care Services
|
N/A |
Pays for special services,
equipment and/or caregiver training to assist the insured in living
at home or in other residential housing.
Alternative Care
Services lifetime maximum benefit amount is $5000. |
| Waiver of Premium
|
Waives premium payments after the
elimination period is satisfied for all services. |
| Bed Reservation
|
Pays to hold your bed in a Long
Term Care facility during a period of hospitalization, up to 31 days
per calendar year. |
| Total Home Care
|
Covers care provided by family
members, friends, or by Licensed Home Health Care Agencies; or care
provided by Licensed Home Health Care professionals. |
| Optional Features
|
Inflation Options (Simple and Compound
Non-Forfeiture Rider (Shortened Benefit Period) |
Inflation Options (Simple and Compound)
Non-Forfeiture Rider (Shortened Benefit Period)
Restoration of Benefits
Survivorship Waiver of Premium |
| Added Features Available Only With
Advantage Plus: |
|
100% Assisted Living Facility
Benefit |
|
Care provided by Licensed Home
Health Care Professionals |
|
Elimination of the Mental and
Nervous exclusion |
|
Will now pay benefits to an
insured living in Canada during time of claim |
| Care Giver Training
|
Pays up to the Alternative Care Services Lifetime Maximum to
train a family member or friend to provide care to the insured at
home or in other residential housing.
Training can occur while the insured is in a Long Term Care
facility if the training will enable the insured to return home.
This benefit will not jeopardize the use of professional or
total home care benefits. |
