More Control with ForeCare

Whether your client wants to receive care at their home or at an assisted living community, ForeCare affords them more control to choose the best option for them.*

And unlike a traditional long-term care product, with ForeCare, any remaining contract value not used for long-term care expenses (or withdrawn for other purposes) can be passed to beneficiaries as a death benefit.

*No payment will be made for any room and board, care, treatment, services, equipment or other items: (1) Provided by a member of an Insured’s Immediate Family, unless: (a) He or she is a regular employee of the organization that is providing the services; and (b) Such organization receives payment for the services; and (c) He or she receives no compensation other than the normal compensation for employees in her or his job category; (2) For which no charge is normally made in the absence of insurance; (3) Provided outside of the United States of America, and its territories and possessions; (4) Provided by or in a Veterans Administration or federal government facility, unless required by law; (5) Due to an Insured’s alcoholism or addiction to drugs or narcotics; but not addiction that results from the administration of those substances in accordance with the advice and written instructions of a duly licensed physician; or (6) Resulting, directly or indirectly, from: (a) War or act of war, whether declared or not; or (b) Attempted suicide or an intentionally self-inflicted injury. The qualified long-term care insurance rider has exclusions and limitations.