AFLAC's Personal Long-Term Care Insurance Policy

American Family Life Assurance Company of Columbus (AFLAC)

Worldwide Headquarters: Columbus, GA 31999

Policy Series A-2700

When first diagnosed as chronically ill, you often have many needs: specialized equipment for the home, occasional visits from a home health aide, or special training for a family member to provide assistance. You may even want the services of a care coordinator. BUT, the costs for these items can add up - fast! That's why AFLAC's long-term care policy automatically provides you a First-Occurrence Benefit!

First Occurrence Benefit

AFLAC will pay you a First-Occurrence Benefit of up to $6,000 when you are first diagnosed as chronically ill. This benefit is intended to assist you with the expenses associated with qualified long-term care services. It is payable only once per lifetime and will be paid in addition to any other benefit in the policy.

Nursing Home Daily Benefit

• AFLAC will pay you up to $200 for each day you are confined and require qualified long-term care services in a nursing home. This benefit is payable for two years. Alzheimer's facilities that are licensed as such by the state and that meet the policy requirements will be covered.
• AFLAC will pay you up to $200 per day to reserve a bed in a nursing home facility if you temporarily leave the nursing home facility while receiving qualified long-term care services. This benefit is limited to a 21-day calendar year maximum

Waiver of Premium Bbenefit

• AFLAC will waive, from month to month, any premium falling due during your continued nursing home confinement, after you have received Nursing Home Daily Benefits for 60 consecutive days. When Nursing Home Daily Benefits are no longer being paid, premium payments must be resumed. Once premium payments are resumed, any new confinements must again satisfy the 60-day continued confinement requirement for premiums to be waived.

Assisted-Living Benefit

AFLAC will pay the charges incurred up to $160 for each day you are confined and require qualified long-term care services in an assisted-living facility. This benefit includes facilities licensed as hospice facilities. Facilities not necessarily named as "assisted-living facilities" may be covered if they meet the policy requirements. The Nursing Home Daily Benefit, Assisted-Living Benefit and Home Care Benefit will not be paid on the same day. Only the highest eligible benefit will be paid.

Home Care Benefit

• AFLAC will pay the charges incurred up to $100 for each visit during which you receive qualified long-term care services for:
  • Care at home
  • Care at an adult day-care center
  • Care at an adult foster-care facility
• Multiple services received on the same day will be counted as one visit; this benefit is limited to one visit per day.

Example Rate: Plan 3

Plan 3 has a Home Care Benefit of 500 visits, Assisted Living Benefit of 2 years, and a Nursing Home Daily Benefit of 5 years.

You have elected the following benefits:

• $50 per day for Home Care Benefit;
• $80 per day Assisted Living Benefit;
• $100 per day for the Nursing Home Daily Benefit; and
• a First Occurrence Benefit of $3,000.

Your rate would be $45.00 per month.

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