There are also many riders to choose from, to add specific benefits that fit your family’s needs best. Between the policy benefit options, inflation protection options and rider options, you can elect to cover some, or nearly all your expected long-term care needs. Optional long-term care policy riders include:EMAIL CAPITAL RETENTION YOUR QUESTIONS
Professional Home Health Care
Joint Waiver of Premium
Return of Premium
Non-Forfeiture Shortened Benefit Period
Waiver of Elimination Period (HHC)
Reduced Benefit for HHC or Assisted Living
This is the waiting period before benefits begin. The elimination period starts on the first day you are chronically ill and receive a covered service. Like most long-term care insurance policies, the elimination period is 90 days. Your policy waives the elimination period for the cash benefit option of home health care benefits.