Mutual Care 3 & 5

Mutual Care 3

Mutual Care 5

Benefit period

3 years

5 years

Maximum monthly benefit

$3,000 - $15,000
(in $500 increments)

$3,000 - $15,000
(in $500 increments)

Cash benefit amount

35% of home health care maximum monthly benefit

35% of home health care maximum monthly benefit

Elimination period

90 calendar days

90 calendar days

Inflation protection

Lifetime
3% compound annually

20-year
5% compounded annually

Optional benefits

Spouse Shared Care
Non-forfeiture Shortened Benefit Period

Spouse Shared Care
Non-forfeiture Shortened Benefit Period

Spouse (35%)
Preferred (15%)
Married (15%)
Two-person household (10%)
Association Group (5%)
Medicare supplement (5%)

Spouse (35%)
Preferred (15%)
Married (15%)
Two-person household (10%)
Association Group (5%)
Medicare supplement (5%)