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Help get the peace of mind you deserve if you need to recover from an injury or illness in a nursing home.

Recuperation Plus, Short-Term Nursing Home Care Indemnity Insurance pays benefits under the policy when a Licensed Healthcare Practitioner certifies you as being unable to perform at least two of the six basic activities of daily living (bathing, dressing, eating, toileting, continence and transferring) without human assistance or supervision; or requiring substantial supervision to protect you from threats to your health or safety due to cognitive impairment; and once you satisfy the Elimination Period if any.

You can customize your coverage to meet your needs:

·        Issue ages 50-89

·        Maximum Daily Benefit up to $300/day

·        Maximum Benefit Period options of 100, 180 or 360 days

·        Elimination period – either 0 days or 20 days

Optional Riders:

·        Home Healthcare Rider – weekly benefit options of $150, $300 or $450/week

·        Simple Inflation Rider – Increase daily benefit maximums by 5% each year

·        Dental and Vision Benefit Rider – coverage options from $400 to $2,000

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          All benefits are paid directly to you or you may assign benefits to the provider of services.

          Guaranteed renewable. As long as you pay your premiums in full and on time, we cannot cancel your policy.

          Stable premiums. Your premiums can not change due to declining health. Your premium can only change if we change it for all policies like yours in your state.

          30 day free look. If you are not completely satisfied with this policy, you many return it to us within 30 days of its receipt for a full refund of any premium you have paid.

          Payment grace period. You have 31 days after each premium is due to keep your policy in force.