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Transcare III Consumer Brochure

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Transcare III Consumer Brochure TRANSCARE® III INDIVIDUAL LONG TERM CARE INSURANCE Transamerica Life Insurance Company ICC18 97454 2 2 THE CARE YOU NEED TODAY AND TOMORROW If living well tomorrow starts with the habits we form today, taking care of ourselves now should be high on everyone’s list of priorities. Improving our Wealth + Health today can help add years to our lives and life to our years, but it’s just as important to establish a plan to care for our Wealth + Health tomorrow, the next day, and well into the future. That’s why we’ve put so much thought into our TransCare® III Long Term Care insurance — it’s designed to help you and your loved ones through the unexpected moments life may throw your way. No matter how prepared we are, there are occasions in life that have the power to change our circumstances and alter how we get from one day to the next. If you lost the ability to independently perform two of the six basic activities of daily living for an extended period of time, long term care insurance would simplify the process of finding the right solutions for you and your loved ones, and substantially bolster your system of support for everything from costs to care. YOU’RE IN THE DRIVER’S SEAT THE AND CARE TOMORROW NEED YOU TODAY TransCare III Long Term Care insurance means you can have confidence knowing you’re prepared for long term care services that might affect: • Your future care needs. Who will take care of you if you’re unable to take care of yourself? What effect could your need for care have on your loved ones? • Your finances. Do you have sufficient income and assets to pay for your care needs? What long term care options are available? • Your independence. What long term care services are available that might allow you to maintain as much of your independence as possible? How will you coordinate the long term care you need? TransCare III coverage (underwritten by Transamerica Life Insurance Company) can give you the confidence to pursue the adventures of today, tomorrow, and the years to come. Let’s help you build a policy that supports a future brimming with Wealth + Health. | TRANSAMERICA 3 WHY CARE MATTERS You’ve spent years building smart habits to create a wealthier, healthier future so why stop now? Proactive planning can help soften the impact long term care needs could have on you, your loved ones, and your assets. Planning can also ensure you have a voice in any future care need decisions that may arise. As you build a policy that suits your preferences, consider the following: Q: How would you prefer to be cared for? Today is the best time to prepare for the type of care you would want in case you need it, with a policy that fits your needs and supports your goals. The cost of insurance only gets more expensive the longer you wait, since rates are affected by your age and health at the time you apply for coverage. Q: Whom would you want to care for you? Loved ones are sometimes willing to provide long term care services, if they live nearby and can rearrange their schedules or careers. But as care needs grow more challenging, daily care may become too demanding for loved ones to provide. Preparing now may help maintain your loved one’s ability to respond to new needs as they arise, and know where to look for help when and if you need it. Q: Where would you get the money to pay for your care? TransCare® III may help pay for the high costs of long term care services, allowing your savings and assets to be used and enjoyed by your spouse/ partner.1 Health insurance and government programs are not designed to cover the high cost of long term care services, which may impact not only your savings but possibly those of your family, if they need to help pay for your care. Based on an inflation rate of 3%, prices would double in just 25 years. $97,455 2 Cost for a private room at a skilled nursing home in 2018. 1 Under this policy, the term “spouse/partner” and “couple” may include married persons, domestic partners, and/or civil 4 union partners. Consult your insurance producer/agent for details about requirements in your state. 2 2018 Cost of Care, national average private room, LTCG. WHEN CARE MATTERS Q: When would you qualify for benefits? To qualify for benefits under the TransCare III policy, we must receive a Plan of Care that specifies what qualified long term care services are needed because you are a chronically ill individual. This means a licensed health care practitioner has certified within the past 12 months that one of the following two statements is true: • You require substantial assistance due to your inability to perform at least two of six activities of daily living for a period expected to last at least 90 days due to a loss of functional capacity • You require substantial supervision to protect you from threats of health and safety due to severe cognitive impairment Activities of daily living defined in your policy are bathing, continence, dressing, eating, toileting, and transferring. TransCare III provides coverage in accordance with the terms of the policy for Alzheimer’s disease, Parkinson’s disease, and senile dementia as long as you are certified by a licensed health care practitioner as being a chronically ill individual. Benefits are subject to the elimination period, provisions, exclusions, and limitations of the policy. Your individual policy will describe the coverage you select in greater detail and will provide the basis for determining when you qualify for benefits. Qualified long term care services are necessary diagnostic, preventive, therapeutic, curing, treating, mitigating, and rehabilitative services, and maintenance or personal WHEN CARE MATTERS care services, which: 1. Are required by a chronically ill individual; 2. Are provided pursuant to a Plan of Care prescribed by a licensed health care practitioner; 3. Are services that are otherwise eligible to be paid under this policy; and | TRANSAMERICA 4. Satisfy all other requirements of your policy. Qualified long term care services do not include charges for items or services unrelated to assistance with the activities of daily living or severe cognitive impairment. 5 TRANSCARE ® III LONG TERM CARE INSURANCE TransCare III can help you prepare for the costs of qualified long term care services you may need someday and your family will want you to have. 6 PREPARING WITH YOUR LOVED ONES IN MIND What does your family look like? Family can be blood relatives or your circle of closest friends. More and more family is the people you care about, and people who care about you. These people may be the first to see signs of your emerging need for care. They will probably also be the ones to contribute their time, skills, or support to help provide that care, at least initially. However, if your care becomes more demanding, they may need help. A TransCare III Long Term Care insurance policy can be an important step toward helping you and your family prepare for future changes — whatever your family looks like. GIVING YOU OPTIONS TransCare III Long Term Care insurance can provide customized coverage that may help you plan and manage your qualified long term care needs in a way that truly considers your individual desires and the wishes of your loved ones. There are three steps to building your policy: 1 Determine what benefit amounts are best for your goals and budget 2 Familiarize yourself with how the standard benefits of the policy may PREPARING ONES WITH LOVED YOUR IN MIND help you and your family address the care you may need and the ability of your family to help you with those needs 3 Select any optional benefits that can help provide additional coverage, such as the ability to share benefits with a spouse/ partner* or automatically increase your policy benefit amounts to anticipate inflation | TRANSAMERICA * Under this policy, the term “spouse/partner” and “couple” may include married persons, domestic partners, and/ 7 or civil union partners. Consult your insurance producer/agent for details about requirements in your state. YOUR POLICY, YOUR OPTIONS It’s your policy — that’s why you decide the benefit limits. The first step in building your TransCare® III policy is to determine how much your policy will pay, and how soon. Q: What total amount of money do you want your policy to provide? The policy maximum amount or pool of money is the total dollar amount of coverage you purchase to cover the costs of your qualified long term care services over the life of your policy. Benefits paid cannot exceed the funds in your pool of money. (Options range from $36,500 to $1,095,000.1) Q: How much money do you want to have available each day? A maximum daily benefit establishes the maximum amount of reimbursement you could receive per day for each day of qualified long term care. If care costs less on a particular day, the difference will remain in your pool of money for future use. If care costs more on a given day than your maximum daily benefit amount, you may have to self-fund the difference. (Options range from $50 to $500.2) Q: How soon do you want insurance to begin paying benefits? The elimination period is the number of days that you are responsible for self-funding your qualified long term care services before benefits may be paid.
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