灵活护理福利骑手来自 State Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI), if you become chronically ill and are eligible to receive benefits, you can access a portion of the policy's death benefit every month. 这些灵活的福利, 或者加速福利, can be used at your discretion to help offset the costs of long–term care.1 除了, pp王者电子官网费用, 任何乘客按月收费, and monthly expense charges for the policy will be waived while claim requirements are met.
长期患病 means a licensed health care practitioner has certified that you:
- Are unable to perform at least two activities of daily living (as defined in the rider) without substantial assistance, for a period of at least 90 days due to a loss of functional capacity; or
- Require substantial supervision to protect your health and safety due to severe cognitive impairment.
让我们看看它是如何工作的
To understand how this rider can help pay for your long-term care expenses, 让我们来看一个假设的例子. Melinda was healthy and active until she suffered a stroke, and as a result, became chronically ill. 继续住在她的家里, 梅琳达每周需要五天的兼职照顾, 每小时20到25美元,2 在她生命的最后四年里. She also had to pay for services that she could no longer do on her own, 比如打扫房子和打扫院子.
幸运的是, 她有一份250美元的万能人寿pp王者电子官网,000 death benefit and the Flexible Care Benefit rider and was eligible to receive benefits. She chose to receive payments of $4,000 per month to help offset the costs of assisted care.3
梅林达的护理费用是多少?
| 首页 health care: $162 per day x 5 days a week x 52 weeks for 4 years | $168,480 |
| 其他生活费用(房屋清洁、庭院工作等.) | $7,500 |
| 总费用 | $175,980 |
梅琳达和她的受益人得到了多少?
| Flexible Care Benefit rider benefit: $4,000 per month x 12 months for 4 years | $192,000 |
| 梅琳达的死亡抚恤金(25万至19.2万美元) | $58,000 |
在这个例子中, Melinda opted to receive a larger monthly benefit than her actual long-term care expenses. 即使在提供福利来帮助支付这些费用之后, her life policy still paid a sizeable lump sum to her loved ones.
It is possible that benefits provided by this rider may be taxable. 你应该咨询你的私人律师或税务顾问.
有关费用、覆盖范围和限制的详细信息，请参见a 州立农场代理.
1 Monthly benefit payments will lower the policy's death benefit and account value in proportion to the benefit paid.
2 基于家庭健康助理的平均成本. 盖财务. Genworth医疗费用调查. 调查由独立研究公司CareScout进行. (2016年5月).
3 每月最高津贴以下列两者中较低者为准:
- Two percent of the life insurance death benefit (at the time of the claim) and the
- IRS per diem amount ($370/day in 2019) times the number of days in the month. (不适用于加拿大)
The policyholder can choose a lesser amount, subject to a monthly minimum defined in the rider.
pp王者电子官网 policies and/or associated riders and features may not be available in all states, 政策条款和条件可能因州而异.
Monthly charges for the 灵活护理福利附加条款 are not guaranteed and can be increased subject to maximum charges and the terms of the policy.
The premium class may vary based on underwriting review and may be different or the policy may not be available. 可能需要进行体格检查. 本保单有免责条款和限制. For costs and complete details of the coverage, please contact a 州立农场代理/insurance producer.
既存状况限制. We will not pay for a loss due to a Preexisting Condition which you did not disclose in the application unless the loss begins more than six (6) months after the Effective Date of this Rider. 然而, providing incorrect information may cause us to rescind this Rider or deny an otherwise valid claim. If this Rider replaces another long-term care insurance rider or policy, the six (6) month time period above is waived to the extent that it has been satisfied under the replaced rider or policy.
限制和排除. 如有下列情况，将不获支付每月赔偿:
(1) results from an attempted suicide or intentionally self-inflicted injury;
(2) results from the Insured's alcoholism or addiction to drugs or narcotics; but not addiction which results from the administration of those substances in accordance with the advice and written instructions of a Licensed 健康 Care Practitioner;
(3) occurs or continues while the Insured is living outside of the United States of America or its territories or possessions;
(四)被pp王者电子官网人参与犯罪的结果, 暴动或暴动, or involvement in an illegal occupation; or
(5) results from any act due to war whether or not the Insured is in the military service. "War" means declared or undeclared war or military activity by one or more national governments and does not include terrorist acts, 其他非被pp王者电子官网人所为的随意暴力行为, 或者内战，或者社区派系.
由以下机构签发的人寿pp王者电子官网及年金:
State Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY, or WI)
State Farm 生活 and Accident Assurance Company (Licensed in NY and WI)
布卢明顿,
每家pp王者电子官网公司对自己的产品负有财务责任.
ICC20 il - 145.3