ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Enhanced Rates are for: MO, WV Monthly Base Rates + RX (no policy fee) Attained Age Classic Premier
Deluxe $34.75 $36.49 $39.40 $45.07 $49.91 $59.58 $93.36 $132.58 $183.19 $236.73
Under 45
$16.77 $17.56 $18.91 $21.52 $23.52 $27.51 $38.12 $52.30 $70.57 $89.73
$26.42 $27.73 $29.93 $34.18 $37.63 $44.52 $68.61 $94.84 $128.62 $164.54
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor.
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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