Home Health Care Select

Created 0623

ManhattanLife Lighthouse Series Home Health Care Select Providing health & financial security solutions when you need it most

This is a Home Health Care Insurance Policy Underwritten by: Standard Life and Casualty Insurance Company and ManhattanLife Insurance and Annuity Company

HHCS-BR 0623

Home Health Care Select

Individual Coverage from ManhattanLife

Plan Features & Benefits • Issue Ages 45 - 89 • Guaranteed Renewable For Life • 30 Day “Free Look” Period to Examine the Policy • Simple Underwriting! • Prescription Drug Benefits Available in Most States.

Health. Value. Peace Of Mind. If possible, wouldn’t you rather recuperate from an injury or chronic illness in the comfort of your own home? A sudden illness, injury, or debilitating chronic condition can happen to any individual at any age. ManhattanLife’s Home Health Care Select Insurance is an affordable solution that provides both the flexibility and financial support you need to recover at home, surrounded by those you love. These plans can also minimize financial stress, allowing you to focus your energy on your own personal recovery.

Home Health Care Select Benefits 1 • Daily maximum benefit of $150 - $450 with a maximum benefit period of 365 days 2 for the following services in your home from an Approved Home Health Care Select Practitioner, subject to the eligibility conditions: Classic Premier Deluxe $150 $300 $450 Nursing Care $75 $150 $200 Physical Therapy $75 $150 $200 Speech Pathology $75 $150 $200 Occupational Therapy $75 $150 $200 Chemotherapy Specialist $60 $120 $200 Enterostomal Therapy $50 $100 $200 Medical Social Services $100 $200 $300 Respiration Therapy $50 $100 $200 Home Health Care Aide 1 • Daily benefit for each day you require Home Health Care Aide Services in your home. Maximum benefit period of 60 days. Prescription Drug Benefit 1 • Per prescription benefit of $10/Generic, or $25/Brand. Restoration of Benefits 1 • The Maximum Benefit Period for Home Health Care Select and Aide benefits will be restored if benefits have not been paid or required for 180 consecutive days. Classic Premier Deluxe $40 $80 $120 Maximum Benefit per Policy Year Classic Premier Deluxe $300 $600 $600

1 See the Policy and/or Outline of Coverage for state-specific details. 2 Maximum benefit period may vary by state.

Routine Annual Physical Examination Benefit Rider 3 • One benefit per year for a Routine Annual Physical Examination, subject to a 12-month Waiting Period. Accidental Death & Dismemberment Benefit Rider 3 • Benefits for accidental death or an accidental bodily injury resulting in the loss of finger, toe, hand, arm, foot, leg, or sight. To be covered, death or dismemberment must occur within 90 days of the covered accident and while this policy and rider are in force. • Lifetime maximum is $10,000. Home Medical Equipment Benefit Rider 3 • Benefits paid when you need Home Medical Equipment prescribed by your Physician while receiving Home Health Care Select Services and/or Home Health Care Aide benefits. • Lifetime maximum is $500. Ambulance Benefit Rider 3 • Benefits paid for transportation in an Ambulance for Emergency Care, including transportation from one medical facility to another when health care services are provided during the trip. • Lifetime maximum is $2,500. Accident Expense Benefit Rider 3 • Benefits for dislocations, fractures, or knee ligament tears when treated by a health care practitioner in a Hospital Emergency Room, Urgent Care Facility, or Physician’s office within 48 hours of the Covered Accident.

Benefit $150

Accidental Death $10,000

Max. Dismemberment Benefit

Sight, both eyes Sight, one eye

$5,000 $2,500 $5,000 $2,500

Hand/arm/foot/leg (multi) Hand/arm/foot/leg (single)

Finger or toe (multiple) Finger or toe (single)

$500 $250

Benefit $100 per piece

Home Medical Equipment Limited to Mobility assistance Transfer aids Bathroom safety Home accommodations Personal medical equipment

Benefit $200 per trip Per each one-way trip 4 trips per year

Max Amount per Accident Option 1 Option 2 $1,250 $2,500

Max. Accident Benefit

Option 1 Option 2 Fracture, hip or skull $1,250 $2,500 Dislocation Hip $1,000 $2,000 Tear, knee ligament or meniscus $500 $1,000 Dislocation Knee $500 $1,000 Fracture, all other $250 $500

3 See the Rider and/or Outline of Coverage for state-specific details.

Underwritten by: ManhattanLife Insurance and Annuity Company 10777 Northwest Freeway, Houston, TX 77092 Standard Life and Casualty Insurance Company PO Box 510690; Salt Lake City, UT 84151-0690

This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a complete list for the Home Health Care Select product at Disclosure.ManhattanLife. com . Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made. Policy Form Number: AM7008 (including state variations) Policy Rider Forms: AM7008AB, AM7008AC, AM7008DD, AM7008RE, AM7008DE, (including state variations) For over 170 years, ManhattanLife Insurance and Annuity Company & Standard Life And Casualty Insurance Company have been helping individuals and businesses by providing innovative products and superior customer service. They also provide competitive Medical, Life, Cancer, and several other supplemental health insurance products with the personal attention you’ve come to expect from your insurance company. Additionally, they remain faithful to the core values on which our companies were founded: competitive products, personal service, and prudent financial management. Our Customer Service team is friendly, knowledgeable, and ready to help you.

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