Future Safe Insurance

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Long Term Care Insurance Product

With The high Cost of long term care one really needs coverage to protect your financial future.

Coverage Locations
Home Care                 Alternate Care
Adult Day Care            Nursing Home
Assisted Living            Hospice Care

Benefits with most carriers

Home Care Benefits
Adult day care services                                     100%
Nurse and therapist services                              100%
Home Health aide and personal care services      100%
Homemaker Services                                         100%
Informal and Independant caregivers                    Yes
Hospice Care                                                    100%
Nursing Facility Benefit                                   100%
Assisted Living Facilty Benefit                         100%

You can have your benefits only pay for a limitd time or a unlimited period depending the long term care insurance policy you choose.

730 days (2yrs)
1,460 days (4yrs)
2,190 days (6yrs)
2,920 days (8yrs)
Unlimited days

Example: $150 daily benefit multiplied byr 1.825 days equals $273,750 in benefit coverage.

Elimination Period
Your Benefits will activate after you satisfy your elimination period of 30, 60 or 90 days.  Its like your deductible on other insurance's but instead of cash value deductible it is a time deductible until benefits start.

You can also choose an option to have your policy pay up to 1005, 200% or 300% of benefit amount for professional home care services.

Cash Benefit
As an alternative to recieving benefits for home care services, nursing home and assisted living, you can recieve a monthly cash benefit equal to ten times your basic services daily benefit.

Inflation Protection Options
With the rise in health care and long term care the cost of these services continue to rise, with this benefit an inflation factor is figured in and added to your benefit amount every year, generally this amount is 5% on most plans if you choose this option.

Additional Optional Benefits

Monthly Home Care
This optional benefit gives you greater flexibility by converting your home care daily benefits into a single monthly benefit cap.

Waiver of Home Care Elimination Period
You may choose to recieve firdt day benefits for care at home and have your elimination period apply only to care recieved in a facility

Non-Forfeiture
Shortened Benefit Period

Spouse Shared Benefit
If you reach your Maximum Lifetime Benefit but still need care, you can access benefits under your spouses identical policy until a minimum of 365 times the current daily benefit.