2 Year benefit period not available in FL.

180 day elimination period not available in KS SD. No 365 day elimination period in FL NY SD. Elimination period no longer than 60 days for HHC in GA.

No survivorship in NJ TX WA.

Shared Care only with 4, 5, 6, year benefit period in AZ NH. Shared Care not available in NJ. Shared Care available to spouses only in MD NJ NY.

Alternate Plan of Care is not available in MA.

Assisted Living and HHC 100% only in MD RI. No 50% HHC in ND.

Simple inflation not available in DE.

Partners discount applies to spouses, partners of the same or opposite sex, and family members of same generation who have lived together 5 years or longer.

Family discount will apply in addition to partnersdiscount if 3 members of family own policy.

Lifetime benefit period not available to substandard rated policyholders.

Care by independent HHC aide if certified. Care by family member allowed if licensed and employee of facility or HHC agency providing services.

Optional provider discounts of 5- 35% from more than 7000 LTC providers.