Agent Guide | Short Term Care
ManhattanLife
Base Plan Highlights & Optional Benefits One of our main goals when creating the Short-Term Care offering was to provide benefit flexibility, giving insureds the ability to create a plan tailored to their specific needs. A multitude of base benefit levels, multiple benefit and elimination periods and several optional benefits.
Availability
Issue Age
45 - 89
Underwriting Policy Type
Simplified Issue
Guaranteed Renewable
Base Plan Highlights
Facility Care
Facility Care Daily Benefit
$50 - $400
Elimination Period
0, 20, 60, or 90 days
Benefit Period
90, 180, 270 or 360 days
Lifetime Maximum Benefit Period
2x Benefit Period
Bed Reservation Benefit
10 days (Lifetime Max 20 days) Built-in Benefits
$10 Generic / $25 Brand $300 Policy Year Max
Prescription Drug Benefit
Waives Elimination Period on Facility Care or Home Health Care Benefits to receive 50% level of accumulated Daily Benefit — perfect for care provided by a spouse, family or friends Restores Facility Care or Home Health Care benefits after the 180 days out of care need is satisfied, up to lifetime max benefit period
Fast-50 ™
Restoration of Benefits
*$25 One-time Policy Fee Applies
Optional Benefits
Home Health Care
Home Health Care Daily Benefit
$50 - $300
Elimination Period
0, 20, 60, or 90 days
Benefit Period
90, 180, 270 or 360 days 2x Benefit Period Simple Inflation Benefit
Lifetime Maximum Benefit Period
If chosen, Simple Inflation applies to Facility Care as well as Home Health Care, if the Home Health Care Rider is also elected Hospital Indemnity
5% Simple Inflation
Daily Benefit Benefit Period
$50 - $300
3, 6 or 20 days
Lifetime Maximum Benefit Period
180 days
See policy for details and definitions.
AGT-STC 0125
6
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