Paying Long Term Care Premiums

If you have long term care continuation or long term care conversion coverage, you may designate one additional person to receive notice of lapse of coverage due to nonpayment of premium. If the premium remains unpaid 30 days after it was due, we will send a notice to you and your chosen designee. We will not terminate your coverage until 30 days after we send that notice. If full retroactive premium is paid in that 30-day period, your coverage will not lapse. To avoid unintentional lapse of your plan due to non-payment of premium, you may designate another person, in addition to yourself, to be notified if your policy is in danger of lapsing. To appoint a designee, please complete the Appointment of Designee Due to Nonpayment of Premium form.

If a premium remains unpaid for 30 days past its due date, we send a delinquency notice to you. If unpaid by the stated delinquency date, your coverage ends.

We can retroactively reinstate your coverage within five months of termination if your nonpayment resulted from Functional Incapacity or Severe Cognitive Impairment. You'll need to submit a request with evidence and pay retroactive premiums.

We'll notify you at least 30 days in advance of any rate increases, affecting all policyholders with similar coverage, and occurring on your policy's anniversary date.

After meeting benefit qualifications and the Elimination Period, we waive your premiums if you remain Chronically Ill. Refer to your plan document for details. Contact us if you have questions.

For Group Long Term Care Conversion Plans and Individual Long Term Care Plans, if you die while this policy is in force, we will refund to your estate, upon notification of your death and a request for refund, a pro rata portion of any premium actually paid for the month in which you died. Contact us with questions.

In cases where the individual is paying for premiums, you can terminate the policy anytime with a written notice, provided we receive it at least 30 days before the requested termination date. We'll refund any unearned premiums promptly. If your employer pays your plan premiums, contact your employer's plan administrator for information.