 |
Penn Treaty (in NY
AIN)
A M BEST B-
Independent Living IV
Also
Available: Home
Health Care Only
What's
Unusual about this policy?
| Benefits Available |
$60 to $350 per day Maximum Benefit |
| Elimination Periods |
Choice of 0, 20, 90, 100, 180, 365 days |
| Marital Discount |
10% if married |
|
| Restoration of Benefits |
Included at no extra charge |
| Waiver of Premium |
Waiver of Premium is provided
benefits have been received for 90 days |
| Tax Qualified Eligibility |
2 out of 6 ADLs eating, bathing,
dressing, transferring, toileting, continence, OR Severe Cognitive
Impairment. |
| Non-Tax Qualified Eligibility |
1 out of 7 ADLs
eating, bathing, dressing, ambulating, transferring, toileting,
continence, OR Severe Cognitive Impairment, OR Medical Necessity. |
|
Sub-Standard
Underwriting
|
Our experience on difficult cases has
been excellent. The company will usually try to issue a rated up
policy where another company might decline. |
|
|
Personal Freedom 3
Long Term
Care
What's
Unusual about this policy?
| Benefits Available |
$70 to $500 per day maximum
benefit |
| Elimination Periods |
Choice of 0, 20, 90, 100, 180, 365 days |
| Marital Discount |
20% if married |
|
| Restoration of Benefits |
Included at no extra charge |
| Waiver of Premium |
Waiver of Premium is provided
benefits have been received for 90 days, reduced to 30 days with
advance notification of claim. |
| Tax Qualified Eligibility |
2 out of 6 ADLs eating, bathing,
dressing, transferring, toileting, continence, OR Severe Cognitive
Impairment. |
| Non-Tax Qualified Eligibility |
1 out of 7 ADLs
eating, bathing, dressing, ambulating, transferring, toileting,
continence, OR Severe Cognitive Impairment, OR Medical Necessity. |
|
Sub-Standard Underwriting
|
Our experience on difficult cases has
been excellent. The company will usually try to issue a rated up
policy where another company might decline. |
Go
to Penn Treaty Web Site
|
|
