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Relationship of Cost of Care and Benefits
Other Benefit Changes (Upgrades and Downgrades)
At any time, you may request an increase (upgrade) or decrease (downgrade) in your coverage. If you make a request that we determine is an increase in coverage, you must provide, at your expense, evidence of your good health that is satisfactory to us. You do not have to provide evidence of your good health for a decrease. The amount of an increase or decrease is subject to Federal Long Term Care Insurance Program (FLTCIP) options available under FLTCIP 2.0 at the time of your request.
Within 30 days after you receive approval of a request for an increase or a decrease in your coverage, you may cancel the increase or decrease in your coverage, and it will be as if the increase of decrease in your coverage was never issued. We will refund any premium that is due you within 30 days.