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Long term Care Premium Costs vs. Benefit Periods
The Cost Of Waiting
Single and Joint Long Term Care Policies
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Illustration-
examples below!
|
Short Term Benefit Period; Single Male; Age 50
|
Age |
State |
Marital Status |
Date |
|
50 |
TX |
Single |
7/25/2005 |
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
5 Years |
5 Years |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
50% Home Care |
Facility Care Only Policy |
|
Inflation Protection
|
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Preferred |
Preferred |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 1728.00 |
$ 1069.31 |
|
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available
|
Long Term Benefit Period; Single Male; Age 50
|
Age |
State |
Marital Status |
Date |
|
50 |
TX |
Single |
7/25/2005 |
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
Unlimited |
Lifetime |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
50% Home Care |
Facility Care Only Policy |
|
Inflation Protection
|
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Preferred |
Preferred |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 2416.50 |
$ 1215.00 |
|
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Short Term Benefit Period; Joint Policy; Age 50
|
Age |
State |
Marital Status |
Date |
|
50 |
TX |
Single |
7/25/2005 |
2nd Beneficiary- Age 50 |
|
|
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
6 Years |
5 Years |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
- |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Preferred/Preferred |
Both Preferred |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 2241.00 |
$ 1497.04 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Long Term Benefit Period; Joint Policy; Male; Age 50
|
Age |
State |
Marital Status |
Date |
|
50 |
TX |
Single |
7/25/2005 |
2nd Beneficiary- Age 50 |
|
|
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
Benefit Period |
20 Years |
Lifetime |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
50% Home Care |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Preferred/Preferred |
Both Preferred |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 3294.00 |
$ 1701.00 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
NS |
- |
|
Nonforfeiture |
NS/ None |
- |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
NS |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Short Term Benefit Period; Single Male; Age 60
|
Age |
State |
Marital Status |
Date |
|
60 |
TX |
Single |
7/25/2005 |
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
5 Years |
5 Years |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
50% Home Care |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Standard |
Standard |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 2640.00 |
$ 2534.25 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Long Term Benefit Period; Single Male; Age 60
|
Age |
State |
Marital Status |
Date |
|
60 |
TX |
Single |
7/25/2005 |
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
Unlimited |
Lifetime |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
50% Home Care |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Standard |
Standard |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 3780.00 |
$ 2880.00 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Short Term Benefit Period; Joint Policy; Age 60
|
Age |
State |
Marital Status |
Date |
|
60 |
TX |
Single |
7/25/2005 |
2nd Beneficiary- Age 60 |
|
|
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
6 Years |
5 Years |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
- |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Standard/ Standard |
Both Standard |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 3330.00 |
$ 3547.95 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS/None |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
Long Term Benefit Period; Joint Policy; Age 60
|
Age |
State |
Marital Status |
Date |
|
60 |
TX |
Single |
7/25/2005 |
2nd Beneficiary- Age 60 |
|
|
|
Carrier |
Company X |
Company Y |
|
Carrier Rating (AM Best) |
A+ |
A |
|
Product |
|
|
|
|
|
Benefit Period |
20 Years |
Lifetime |
|
Elimination Period |
90 Days |
90 Days |
|
HHC Percent |
- |
Facility Care Only Policy |
|
Inflation Protection |
Compound |
Compound |
|
Modal Factor |
Annual |
Annual |
|
Rate Class |
Standard/ Standard |
Both Standard |
|
Daily Benefit |
$ 150 |
$ 150 |
|
Premium |
$ 5160.00 |
$ 4032.00 |
Additional Discounts and Optional Riders: |
|
Additional Option Factors |
- |
None |
|
Limited Pay Option |
None |
- |
|
Monthly Maximum Rider |
- |
- |
|
Nonforfeiture |
NS/None |
None |
|
Restoration of Benefits |
NS |
- |
|
Spousal Discount |
NS |
- |
|
Survivorship |
NS |
- |
|
Waiver of Home Health Care Elimination Period |
- |
- |
|
Waiver of Premium |
- |
- |
Please note, all riders, discounts and product features may not be available in all states. For additional information see disclaimers page.
|
NS |
= Not Selected |
|
- |
= Not Available |
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