Plan Features

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" rowspan="2" width=210 BGCOLOR="#99CC99" TEXT="#080000" bgproperties="fixed" background="0448dfc3.jpg"> <div> <B><IMG SRC="04385640.png" border=0 width="133" height="100" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <bR> <div> <A HREF="id37.htm" TARGET="_top" TITLE="LongTerm Care"><U><B>Long-Term Care</B></U></A></div> <bR> <div> <B><IMG SRC="1a0b67b0.jpg" border=0 width="182" height="123" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <B><IMG SRC="1a2ad720.jpg" border=0 width="173" height="114" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <A HREF="id118.htm" TARGET="_top" TITLE="Insurance Overview"><U><B>Insurance Overview</B></U></A></div> <bR> </td> <td valign="top" colspan=2 height=110 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="0458dfe1esnpes.jpg"> <div> <FONT SIZE="6" COLOR="#336666" FACE="Arial" ><I><B>SUITER & ASSOCIATES</B></I></FONT><FONT SIZE="6" COLOR="#336666" FACE="Arial" ><B> </B></FONT><FONT SIZE="5" COLOR="#336666" FACE="Arial" ><B> </B></FONT><B>   |    </B><A HREF="index.htm" TARGET="_top" TITLE="Welcome!"><U><B>HOME</B></U></A></div> <div> <I><B>California License Number:  0E42710</B></I></div> <div> <B>Plan Features</B><B>   |   </B><A HREF="id51.htm" TARGET="_top" TITLE="Carriers"><U>Carriers</U></A><B>   |   </B><A HREF="id193.htm" TARGET="_top" TITLE="LongTerm Care Sample Quotes"><U>Long-Term Care Sample Quotes</U></A><B>   |   </B><A HREF="id183.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" height=370 colspan=2 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="0458dfc3.jpg"> <div> <I><B>Plan Features</B></I></div> <bR> <div> <I><B>How it Works</B></I></div> <div> <FONT SIZE="4" COLOR="#000000" FACE="Franklin Gothic Medium" >Your insurance premium buys you protection from the extraordinary expenses of long-term adult care services, such as: </FONT>home health care, assisted living facilities, and nursing homes.<FONT SIZE="4" COLOR="#000000" FACE="Franklin Gothic Medium" > </FONT></div> <bR> <div> Benefits are sold in monthly or daily dollar amounts to offset the costs of the above-mentioned services.  For example, if a semiprivate room in an assisted living facility costs $150 per day, you could purchase insurance that pays you $150 per day to cover that cost for as long a period as you determine.</div> <bR> <div> Inflation protection and other features can be purchased as riders.  </div> <bR> <div> <I><B>Benefits</B></I></div> <div> Generally, you are eligible for benefits when you need substantial assistance with two activities of daily living, which include bathing, continence, dressing, transferring, toileting, and eating -- or when you need substantial supervision due to a cognitive impairment.  Policies cover skilled, intermediate, and <FONT SIZE="4" COLOR="#006633" FACE="Franklin Gothic Medium" >custodial care received at home or in an adult day care center, assisted living facility, or nursing facility</FONT>.  </div> <bR> <div> Benefits typically include coverage for long-term mental illnesses such as Alzheimer's, Lou Gehrig's, Parkinson's, as well as other unfortunate maladies of life.</div> <bR> <div> Exclusions can include such things as war, self-inflicted injury, attempted suicide, addiction to alcohol or illegal drugs.  Refer to your sample insurance contract for specific limitations and exclusions, as these may vary depending upon carrier.    </div> <bR> <bR> <bR> <bR> </td> </tr></table></body>