MutualCare® Secure Solution is a traditional long-term care policy that allows people to plan ahead for their long-term care needs.

MutualCare® Custom Solution is a different approach to structuring policy benefits. It provides the flexibility to manage long-term care expenses and control how the dollars in the long-term care “account” are spent.

Issue Ages: 30-79 (Age Last Birthday)

Tax Qualified

Benefit Payment:

• MutualCare Secure Solution Monthly Maximum: $1,500-$15,000
• MutualCare Custom Solution Monthly Maximum: $1,500-$15,000

Elimination Period:

• MutualCare Secure Solution: 90, 180 or 365 Calendar Days
• MutualCare Custom Solution: 0, 30, 60, 90, 180, or 365 Calendar Days

Benefit Period:

• MutualCare Secure Solution: 24, 36, 48 months
• MutualCare Custom Solution: Uses the pool of dollars to determine the initial policy limit.

Inflation Period:

• MutualCare Secure Solution: 3%, 4% or 5% Compound, 3%-5% 20 yr Compound, No Inflation
• MutualCare Custom Solution: 1%-5% Compounded, Inflation duration lifetime, 20/15/10 yrs, No Inflation

Riders Available: Waiver of Elimination Period for Home Health Care, Return of Premium at Death, Survivorship Benefit, Joint Waiver of Premium, Shared Care, Nonforfeiture – Shorten Benefit Period, Professional Home Health Care, Security Benefit.

Features: Cash Benefit, Care Coordination Benefit, International Benefit