Topic of the Month: June 2009
Mutual Care Plus is LTC Your Way

A variety of product options allow you to choose the way you prefer to sell.

• Like the simplicity of pre-packaged plans? Mutual Care 3 & 5 offer solid protection with our most popular features built in
• Enjoy the flexibility of customizing a plan for your clients? Mutual Care My Way allows you to build a plan from the ground up
• Looking for a multi-life product for your small-business clients? Mutual Care at Work is a new multi-life program for small- to mid-sized businesses

What's the "Plus?"
All products in the Mutual Care Plus portfolio contain these exciting, new benefits:

• New built-in cash benefit with no elimination period
• Single-premium payment option on Mutual Care 3 & 5 and Mutual Care My Way
• Modified guaranteed issue underwriting on Mutual Care at Work
• Calendar day elimination period
• Monthly benefit amount, not daily

Mutual Care Plus Offers Lots of Stay-at-Home Features
That’s what makes it perfect for your clients who say they’re never going to a nursing home. Each policy includes built-in benefits for home health care, including care coordinator services — the help of a licensed health care professional who can assess the insured’s needs, develop an individualized plan of care and help arrange for long-term care services. Other stay-at-home features include:

• Payment for a family member or friend to become trained to provide care
• Rental of special equipment, such as a hospital-style bed, walker, wheelchair or respirator
• Payment for home modifications to enhance the insured’s ability to perform the activities of daily living
• Rental and installation of a medical alert system