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Benefits Provided by the Federal Long Term Care Insurance Program (FLTCIP)
Stay-At-Home Benefit
We will pay actual charges you incur for Stay-At-Home Services up to the Stay-At-Home Lifetime Benefit Amount. The Stay-At-Home Lifetime Benefit Amount is equal to 30 times your Daily Benefit Amount. The waiting period does not apply to the Stay-At-Home Benefit. Except for Care Planning Visits, you must be living at Home in order to be eligible for the Stay-At-Home Benefit. Stay-At-Home Services consist of expenses for:
- Care Planning Visits;
- Home Modifications;
- Emergency Medical Response Systems;
- Durable Medical Equipment;
- Caregiver Training; and
- Home Safety Checks.
The maximum amount payable in your lifetime for Caregiver Training will be 7 times your Daily Benefit Amount.
Benefits paid under the Stay-At-Home Benefit will not reduce your Maximum Lifetime Benefit. If you do not exhaust your Stay-At-Home Benefit initially, you may use any unused portion of this benefit amount for future Stay-At-Home Services and new episodes of care. You may receive the services of a Formal Caregiver or an Informal Caregiver, or Hospice Care at Home while receiving benefits under the Stay-At-Home Benefit.