International Long Term Care Coverage

The provisions in the sample long term care insurance policy clearly state the specific conditions under which benefits will be paid. Most policies contain provisions similar to those outlined below.

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We will pay Benefits for International Coverage if You qualify under the conditions defined in this section. “International” means any location outside of the United States and its territories.

Eligibility for Payment of Benefits for International Coverage

In order to receive payment for Benefits for International Coverageunder this Policy, You must meet the following:

1. Be outside the United States and its territories;
2. Provide proof, satisfactory to Us, that You are Chronically Ill;
3. Be eligible for Benefitsunder this Policy;
4. Satisfy the Elimination Period for International Coverage; and
5. Provide a written Plan of Care that includes the Qualified Long Term Care Services You need.

Per Diem Benefit for International Coverage

The provisions in the sample long term care insurance policy clearly state the specific conditions under which benefits will be paid. Most policies contain provisions similar to those outlined below.

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The Per Diem Benefit that We will pay for International Coverage is equal to fifty percent of the Home Care and Community Care Maximum Daily Benefit Amount shown on the Schedule of Benefitspage.

“Per Diem Benefit” means a Benefit computed on a daily basis regardless of actual charges You incur and paid to You if You are eligible under this Policy to receive Benefits for International Coverage. You do not need to receive Covered Services in order to receive the Per Diem Benefit.

If You are receiving the Per Diem Benefit for International Coverage, You cannot receive any other Benefits under this Policy for the same period of time. Coverage for Additional Servicesis not available outside the United States and its territories.

The Per Diem Benefit will be paid to you in United States dollars. You may not assign the Per Diem Benefit.

Elimination Period for International Coverage

The provisions in the sample long term care insurance policy clearly state the specific conditions under which benefits will be paid. Most policies contain provisions similar to those outlined below.

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The Elimination Period for International Coverage is two times the Elimination Period shown on the Schedule of Benefits page. Each day on which You are eligible for Benefits under this Policy while You are outside of the United States and its territories will count toward satisfying the Elimination Period for International Coverage. You do not need to receive Covered Services in order to satisfy the Elimination Period for International Coverage.

Total Lifetime Benefit for International Coverage Benefits

The provisions in the sample long term care insurance policy clearly state the specific conditions under which benefits will be paid. Most policies contain provisions similar to those outlined below.

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We will pay You Benefits for International Coverage up to the lesser of: (1) Your Total Lifetime Benefit shown on the Schedule of Benefits page less any Benefits paid while You are in the United States and its territories; or (2) the Per Diem Benefit for International Coveragetimes 3,650.

The sum of all Benefits We will pay while You are in the Untied States and its territories and outside the United States and its territories will never exceed the Total Lifetime Benefit shown on the Schedule of Benefitspage.

Filing claims for international coverage is covered at Claims for International Coverage Title: Claims for International Coverage.