NPFBA Long Term Care Benefits Chart

Long Term Care Plan

130/70/50 Plan

150/70/50 Plan

Monthly Cost

25 Year Payment Term

30 Year Payment Term

35 Year Payment Term

40 Year Payment Term

45 Year Payment Term

25 Year Payment Term

30 Year Payment Term

35 Year Payment Term

40 Year Payment Term

45 Year Payment Term

30 Years Old at Issue

$46

$37

$34

$31

$29

$55

$44

$39

$37

$36

40 Years Old at Issue

$67

$55

$49

$46

$44

$81

$65

$58

$54

$53

50 Years Old at Issue

$109

$88

$80

N/A

N/A

$130

$105

$95

N/A

N/A

60 Years Old at Issue

$194

N/A

N/A

N/A

N/A

$233

N/A

N/A

N/A

N/A

Plan Year 1

Plan Year 26

Plan Year 1

Plan Year 26

Nursing Home or Skilled Care

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$130*

per day

$3,954

per month

$272*

per day

$8,273

per month

$150*

per day

$4,563

per month

$315*

per day

$9,581

per month

Plan Year 1

Plan Year 26

Plan Year 1

Plan Year 26

Residential Care or Assisted Living

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$91*

per day

$2,768

per month

$190*

per day

$5,779

per month

$105*

per day

$3,194

per month

$221*

per day

$6,772

per month

Plan Year 1

Plan Year 26

Plan Year 1

Plan Year 26

In-Home Care or Community Care

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$65*

per day

$1,977

per month

$136*

per day

$4,137

per month

$75*

per day

$2,281

per month

$158*

per day

$4,806

per month

Benefit Period

Lifetime or up to $1 million

Lifetime or up to $1 million

Elimination Period

60 or 90 days

(based on medical underwriting)

60 or 90 days

(based on medical underwriting)

Inflation Protection

3% Compounded (Plan Years 2 to 26)

3% Compounded (Plan Years 2 to 26)

Payment Term

25, 30, 35, 40, or 45 Years

(Refer to Cost Schedule for eligibility)

25, 30, 35, 40, or 45 Years

(Refer to Cost Schedule for eligibility)

Death Benefit

Through Age 69 – The amount of your payments up to $5000.

Age 70-74 – The amount of your payments up to $2500.

Age 75 and thereafter no Death Benefit or if LTC benefits exceed the Death Benefit you are eligible for.

*Participants who joined prior to 2007, please refer to your Schedule of Benefits.

Through Age 69 – The amount of your payments up to $5000.

Age 70-74 – The amount of your payments up to $2500.

Age 75 and thereafter no Death Benefit or if LTC benefits exceed the Death Benefit you are eligible for.

*Participants who joined prior to 2007, please refer to your Schedule of Benefits.

Respite Care

15 calendar days per year

15 calendar days per year

Waiver of Payment

While receiving benefits.

While receiving benefits.