If staying at home is your client’s top priority, here’s a way to ensure the policy provides maximum benefits for home health care. The Professional Home Health Care rider, available only on a MutualCare® Custom Solution policy, makes additional funds available for long-term care services provided by a nurse or skilled health-care professional. These extra funds allow your client the ability to get the level of care needed, even if it exceeds the policy’s maximum monthly benefit.
Here’s How it Works:
- If the cost for professional home health care services exceeds the policy’s home health care maximum monthly benefit in any given month, the Professional Home Health Care rider provides up to an additional 100 percent of the home health care maximum monthly benefit.
- Professional home health care is defined as services provided by a nurse or other skilled professional specializing in physical, respiratory, occupational or speech therapy, audiology, nutrition or chemotherapy administration (additional funds for services provided by a nurse are limited to 356 days over the life of the policy)
For Example:
- Your client purchases a MutualCare® Custom Solution policy with a $3,000 maximum monthly benefit and adds the optional Professional Home Health Care rider
- After satisfying the policy’s elimination period, the insured begins receiving policy benefits. However, for the first few months, the cost for the care needed exceeds the policy’s $3,000 maximum monthly benefit
- In this case, the Professional Home Health Care rider provides up to an additional 100 percent of the home health care maximum monthly benefit. That gives your client access to up to $6,000 per month to help pay for professional home health care services
The Professional Home Health Care rider is perfect for people who intend to remain at home as long as possible. Use it to help ensure your clients get maximum benefits from their LTCi policy.
Get Maximum Benefits for Professional Home Health Care
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