HEARING - U.S. Senate Special Committee on Aging
HEARING - U.S. Senate Special Committee on Aging HEARING - U.S. Senate Special Committee on Aging
CONPASISOM OF LONG TERM CARE tlCIES CARRIER AmrERIcAN RE#URLIC - _-- --- --------------------- _ _ IDILLEI UR SING CARE DAILY RENETIT $41 TIME LIMITATION I5DI days 1ESTRICTIiAS IMTEttEROIATE CARE DAItL BENEI'T Sl I TI E LIMITATIO N T RIO 4475 RESTRICTIONS CUSTIOIIL CARE DAtLY EEfI, rT $40 TIrE LIMITATION iTSD days RESTRICTIN5S HOME EALTRH GAILY BENEFIT TIIE LIMITATION RESTRICT IONS -_ - _- .-_ - 185 KASSACHUSETTS INIIEMI TY FEiERATEO AKa ICA- LIFE $50 it., begins ailt'n lt ZR s of a 3 day rTSDIE.I ltay Sxrf loensed by thE Itate --- - - - - -- - - - ... ... -- -- -- - -.-. .. .. . _ . .. 110 s i ne Stay tegrs7 hin 26 dO!-i nt I d..... IOP~- .-a or . , ..J '.- ... ..., ScF/ICi h Ti 5M:d by ERR lNate _- _ -_ _ - _- _ _- _- _ _- _ -_ _ -_ -_ _ -_ --_-_ --_-_ -_-_ --_-_ _ --_-_ _ -_ _ _ -.- _ _ -_ -_ _ -. - $2C-k eer-ic@ nst bagign afll a NAMseSiR Ism Stay NZeTM beneitS w Pre r I.f 41 least eo days 2 n4SiES/Ne ile NONEC III 4 yeN's lifeit- ({1 typennI Slay Ila Rf 9 IS1iM 90 . y ..... . I t l 2 I fly i it Slay 110 - - - -- - - - - -- - - - I3I 4 ye.rs lirebtin (111 tyoell 5147 RR9'5 -, th in 9I days Pr I I ay TsO ib£1 sla p ba T M -ibt be recessed 4n £4 SOF snitiNlTy dsb k ilied r. _ _ _ _ _ ---- _ MONE ' EL tIMINArTcIO rEXiOD 90z R.~ fS de ys 20 day, $ rtAxIIS (if -nY) 01felai ben 75.000 _ __ __ __ __ __ __ __ __ __I.. __ I _t _______ _______ _______ _ 139 _
COWaPAISON Of LOSt TERM CARE POLICIES 186 CARRelR AMERICAh REPUEPILC M5ASSACHUSITTS ItDEMtITY FECERATEO AMERICA# LIFE EXTENSIOMS PRE-CXISTII5G a11/6 inobs EXCLLUS cm rttER EXCLUSIOIES sualbcn salf-1nflltteG Injury g'ntitl/esotionfll disorder .leoI olls.o/lra s co-t1on orseltal eoef-nesent rare pron~ded tree of nllarg ntisde U.S. WAIVER Of PaCOE-iT ater 9; days rOr nltrne. EVIOElCE OF I IWSTUArILITY ntntE4 AEW LITI guaertteed islet rs , ~ , ~ ~ ~ ~ ~ ~ ~ .. I year/I year a11/0 days sui.1d. selL IetlItt Injury eerno~s/.WtaI^ GlneaneI disordar (/a d-mos. Orgalrtil lnre~s) o-tltde U S. o-ocat Icoal Injury ronered by La term by risurrs Ia.. ...its ar. laso elthlin 90 Gays sA Ifde self Infl~cted lCtufy oernas~ousnotel Gzsease/dlsorver Cwon deirmoos. sr af c Iilnre
- Page 137 and 138: 10,932 134 New Davelopments 492 346
- Page 139 and 140: 136 10,934 New Developments It! ;6
- Page 141 and 142: 10,936 138 New Developmenlt I. Thc
- Page 143 and 144: 140 10,938 New Development. 492 S-8
- Page 145 and 146: 10,940 142 New Developments i92 586
- Page 147 and 148: ATroR EYS -HARLES C. -ULiIN JUDITH
- Page 149 and 150: 146 reformed its decision-making pr
- Page 151 and 152: 148 : 14 2i57 New Developments 13,1
- Page 153 and 154: ~ 150 a>, rsn Cdw ~w (e d rum 0A7,.
- Page 155 and 156: 152 All Of these figures are based
- Page 157 and 158: 154 The requirements of this Act sh
- Page 159 and 160: 156 Drefting Note: Where the word "
- Page 161 and 162: 158 (b) The issuance of the group p
- Page 163 and 164: 160 (2) Contain a provision establi
- Page 165 and 166: 162 and competitive reasons. It is
- Page 167 and 168: 164 -13- E. Affordability of Long T
- Page 169 and 170: NAIC LTC ADVISORY COMMITEE EXPOSURE
- Page 171 and 172: Setinzn IS. Poicyx D~efinitieno aid
- Page 173 and 174: 170 3. The term "noncancellable' ma
- Page 175 and 176: 172 extension of benefits beyond th
- Page 177 and 178: artinM B Requirmnts for Rplnmacwt 1
- Page 179 and 180: 176 The above "Notice to Applicant"
- Page 181 and 182: (pinnal Rasting &mdsninn 178 Benefi
- Page 183 and 184: APPEMI!X B 180 OCWARISCN OF lVLCY i
- Page 185 and 186: COMPAIeSON OF LOtG TEIM CoAt PfLtCI
- Page 187: COMPABI:SZN OF LC#C TE" CAiE -OLICI
- Page 191 and 192: cowRiiSOi or touTE reM CasE nOuczcS
- Page 193 and 194: COGPARISON OF LONG TERM CARE POLICI
- Page 195 and 196: SOME BASIC THINGS YOU SHOULD KNOW M
- Page 197 and 198: Private health insurance is availab
- Page 199 and 200: WHAT MEDICARE PART B PAYS 196 MEDIC
- Page 201 and 202: EXPENSES NOT COVERED BY MEDICARE Me
COWaPAISON Of LOSt TERM CARE POLICIES<br />
186<br />
CARRelR AMERICAh REPUEPILC M5ASSACHUSITTS ItDEMtITY FECERATEO AMERICA# LIFE<br />
EXTENSIOMS<br />
PRE-CXISTII5G a11/6 inobs<br />
EXCLLUS cm<br />
rttER EXCLUSIOIES sualbcn<br />
salf-1nflltteG Injury<br />
g'ntitl/esoti<strong>on</strong>fll disorder<br />
.leoI olls.o/lra s co-t1<strong>on</strong><br />
orseltal eoef-nesent<br />
rare pr<strong>on</strong>~ded tree of nllarg<br />
ntisde U.S.<br />
WAIVER Of PaCOE-iT ater 9; days rOr nltrne.<br />
EVIOElCE OF I<br />
IWSTUArILITY<br />
ntntE4 AEW LITI guaertteed islet rs<br />
, ~ , ~ ~ ~ ~ ~ ~ ~ ..<br />
I year/I year a11/0 days<br />
sui.1d.<br />
selL IetlItt Injury<br />
eerno~s/.WtaI^ GlneaneI<br />
disordar (/a d-mos.<br />
Orgalrtil lnre~s)<br />
o-tltde U S.<br />
o-ocat Icoal Injury<br />
r<strong>on</strong>ered by La<br />
term by risurrs Ia.. ...its<br />
ar. laso elthlin 90 Gays<br />
sA Ifde<br />
self Infl~cted lCtufy<br />
oernas~ousnotel Gzsease/dlsorver<br />
Cw<strong>on</strong> deirmoos. sr af c Iilnre
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