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MutualCare Secure Solution
MutualCare Custom Solution
 

Gives people the security of knowing they have some measure of protection.

Find paper applications and forms in Forms & Materials

Provides flexibility to manage LTC expenses and control how benefits are spent.

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Issue Ages

30-79

30-75

30-79

30-75

Policy Limit

Benefit multiplier determines policy limit (benefit multiplier x maximum monthly benefit = policy limit)

Options

24, 36, 48 or 60 months

Pool of dollars determines policy limit

Options

$50,000 to $500,000 in $500 increments

Maximum Monthly Benefit

$1,500 to $10,000 per month in $1 increments

$1,500 to $10,000 per month in $50 increments (Valid amounts range from 1% to 4% of policy limit)

Elimination Period

90, 180 or 365 calendar days

0, 30, 60, 90, 180 or 365 calendar days

Cash Benefit

30% of home health care benefit up to $2,400 per month

40% of home health care benefit up to $2,400 per month

Policy Benefits

Nursing Home

100%

Assisted Living & Home Health Care

50%, 75% or 100% of maximum monthly benefit

Stay-at Home Benefits

Up to 2 times the maximum monthly benefit

Adult Day Care

Up to 100% of home health care benefit

Hospice Care

No limit

Nursing Home

100%

Assisted Living & Home Health Care

50%, 75% or 100% of maximum monthly benefit

Stay-at Home Benefits

Up to 2 times the maximum monthly benefit

Adult Day Care

Up to 100% of home health care benefit

Hospice Care

No limit

Additional Benefits

Bed Reservation

30 days per calendar year

Respite Care

30 days per calendar year (no elimination period)

Alternate Care Benefit

Available when care coordinator is used

Waiver of Premium

International Benefit

Maximum monthly benefit for up to 1 year

Bed Reservation

30 days per calendar year

Respite Care

30 days per calendar year (no elimination period)

Alternate Care Benefit

Available when care coordinator is used

Waiver of Premium

International Benefit

Maximum monthly benefit for up to 1 year

Inflation Protection Options

Compound (Lifetime)

3%, 4% or 5% (no buy-up option)

Compound (Other Durations)

20-Year: 3% or 5% (no buy-up option)

No Inflation Protection

Available

Compound (Lifetime)

1% to 5% in .25% increments (with buy-up option)

Compound (Other Durations)

10, 15 or 20-Year: 1% to 5% in .25% increments (with buy-up option)

No Inflation Protection

Available

Premium Allowances

Partner

  • Both Issued: 30%
  • One Issued: 15%

Preferred

15%

Association Group

5%

Producer

5%

Common Employer

5%

Partner

  • Both Issued: 30%
  • One Issued: 15%

Preferred

15%

Association Group

5%

Producer

5%

Common Employer

5%

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