IT'S UNIQUE: The Independence Long Term Care Insurance Plan has taken much of the guesswork out of planning for future long term care costs by paying up to 80% of the reasonable and customary charges you may incur for long term care services - today, tomorrow and even many years from now. Other Long Term Care Insurance plans make you choose a daily benefit today which might not meet long term care costs in 5, 10 or even more years from now.

IT'S SIMPLE: Easy to understand plan design and benefits. The total benefits payable for all types of Long Term Care are subject to the maximum lifetime benefit amount you select from the range of affordable plan options offered by The Independence Long Term Care Insurance Plan. It's that simple.

IT'S AFFORDABLE: You select the benefit amount that most suits your personal financial needs. Compare our premiums. Based on state of residence.

NURSING HOME CARE	80% OF COVERED CHARGES IN A LICENSED NURSING HOME
HOME HEALTH CARE	80% OF COVERED CHARGES
ASSISTED LIVING FACILITY CARE	80% OF COVERED CHARGES IN A QUALIFIED ASSISTED LIVING FACILITY
HOMEMAKER/COMPANION	50% OF COVERED CHARGES
MAXIMUM LIFETIME BENEFIT AMOUNT	SELECT FROM $100,000 TO $500,000, INCLUSIVE OF ALL TYPES OF CARE
BENEFIT ELIGIBILITY	INABILITY TO PERFORM 2 OF 5 ACTIVITIES OF DAILY LIVING (EATING, DRESSING, TOILETING, TRANSFERRING, CONTINENCE), OR COGNITIVE DISABILITY (INCLUDING ALZHEIMER'S DISEASE, DEMENTIA AND SENILE DEMENTIA)
WAIVER OF PREMIUM	AFTER 90 DAYS OF BENEFIT ELIGIBILITY FOR NURSING HOME, ASSISTED LIVING OR HOME CARE
ELIMINATION PERIOD	100 DAYS (TO BE SATISFIED ONLY ONCE IN A LIFETIME)
ISSUE AGE	40 TO 79
TAX ADVANTAGES	BENEFITS RECEIVED ARE NOT TAXABLE FOR FEDERAL TAX PURPOSES AND PREMIUMS MAY BE TAX DEDUCTIBLE UNDER CERTAIN CIRCUMSTANCES
GUARANTEED RENEWABLE FOR LIFE
PREMIUM WILL NOT INCREASE DUE TO A CHANGE IN AGE OR HEALTH
PREMIUM DISCOUNT AS LONG AS THERE IS A SPOUSE RESIDING IN SAME HOUSEHOLD
UNDERWRITTEN BY A WELL-KNOWN, HIGHLY RATED INSURANCE COMPANY

BASIC BENEFITS AND POLICY FEATURES ARE SUBJECT TO STATE VARIATIONS.
NOT YET AVAILABLE IN ALL STATES.

OPTIONAL BENEFITS

INFLATION INCREASE	5% PER YEAR INCREASE IN POLICY MAXIMUM
REDUCED PAID-UP BENEFIT	IN THE EVENT OF A POLICY LAPSE, BENEFITS WOULD BE PAYABLE FOR COVERED CHARGES UP TO THE TOTAL AMOUNT OF PREMIUMS THAT HAD BEEN PAID
PAID-UP PLAN	POLICY PAID-UP FOR LIFE AT AGE 70 OR IN 10 YEARS, WHICHEVER IS LATER

To request an information kit containing costs and complete details of the coverage including exclusions and limitations, CLICK HERE.

If you have any questions about The Independence Long Term Care Insurance Plan and would like to speak with a customer service representative, please call the Plan Administrator, Towers Administrators, Inc. 420 Lexington Avenue, Suite 2031, New York, NY 10170 at 1-800-223-1481 outside of New York State or 212-697-9285 in New York.

This plan is not available in all states and benefits and policy features may vary by state. For United States Residents only.