¹ U.S. Dept of Health and Human Services, http://www.longtermcare.gov  accessed 7/2/2010

² Consumer Price Index Detailed Report, 2010

³Not available in all states

Policies referred to are Comprehensive LTC-500, Facility Only LTC-520, and Shared Benefit LTC-540. In Idaho, LTC-500(ID12/03), LTC-520(ID12/03), and LTC-540(ID12/03). LTC-520 is not available in Oregon. In Wisconsin, LTC-520 is titled Tax Qualified Nursing Home Insurance Policy.

Long term care insurance policies issued by COUNTRY Life Insurance Company®, Bloomington, IL.

This information provides a brief description of the Tax Qualified Long Term Care insurance policies available from COUNTRY Life Insurance Company and is not a statement of contract. Long Term Care insurance is not Medicare Supplement insurance. If issued, the policy will set forth the rights and obligations of you and the issuing company. For cost and further details of the coverage, including exclusions, reductions or limitations, and the terms under which the policies may be continued in force, see your financial representative, refer to the Outline of Coverage, or write COUNTRY Life Insurance Company. “A Shopper’s Guide to Long Term Care Insurance” is also available from your financial representative or the state insurance department. In Wisconsin, the guide is called “Guide to Long Term Care.”

Exclusions:

The policy will not provide benefits for any care or services which: (1) result from an act of war; (2) result from participation in a felony, riot, or insurrection; (3) are provided at no charge in the absence of insurance; (4) result directly or indirectly, from attempted suicide or intentionally self-inflicted injury while sane or insane; (5) are received while outside the United States of America or its territories or possessions; (6) are due to mental or nervous disorders without evidence of organic disease. The policy does provide benefits for treatment of Alzheimer’s disease, senile dementia, other organic brain syndromes or other types of senility diseases; (7) result from alcoholism or drug addiction; (8) are provided by a family member; (9) are payable under a workers’ compensation, occupational disease or employer’s liability law; (10) are provided by or in a Veteran’s Administration or federal government facility. This limitation does not apply where a liability exists for charges made to or on your behalf; or (11) are available under Medicare or other governmental programs (except Medicaid) or would be so reimbursable but for the application of a deductible or coinsurance amount.

If you would like more information on long term care insurance from your state's senior insurance counseling program, see your financial representative for the program's contact information.

LTC REPWS1 (7/10)