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| WHY PLAN FOR LONG TERM CARE? | |
| Ask the Expert | |
| Opinion Poll - Our Golden Years | |
| Cost of Long Term Care | |
| Won't the Government Cover Me? | |
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| HOW CAN LIVINGCARE HELP ME? | |
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If you or someone you know has cared for a loved one during a time of need, you know the toll it can take on quality time spent with your family, your energy level and quite possibly your pocketbook. Living Care can help: Preserve quality time for you and your loved ones When you need us most Care where you choose More than financial assistance About LivingCare Premiums Preserve quality time for you and your loved ones Your loved ones care about you and you know they’d do everything possible to make sure you’re cared for. But distance, work and their other family obligations can make caring for you very difficult … and very stressful. A LivingCare policy helps you pay for long term care and services, which means you don’t have to rely on your family for financial help or hands-on care, or both. It gives you and those you care about the opportunity to spend quality time together. When you need us most If you need long term care, you and your loved ones shouldn’t have to go it alone. With LivingCare you can depend on Manulife when you need us most. When you have to make a claim. You can expect a prompt and fair claims assessment. You can also expect courteous, empathic service delivered by our expert claims staff at Manulife. They’ll be in touch on a regular basis and you or your family can call them any time. To make a claim you simply call us and we’ll arrange for a Care Advisor to contact you. The Care Advisor, a licensed professional such as a nurse or social worker, will meet with you to carefully guide you through the initial assessment of your situation. Care where you choose For many of us, our home is our refuge. Our safe place. If you need long term care, you shouldn’t have to leave the place that feels most comfortable. LivingCare coverage puts you in control of your choices and once you qualify for benefits you can use the Care Benefit to pay for personal assistance in your home, home modifications, medical equipment, or for anything else that will give you the care you need in the place you want to be. But if you do find that you need care in a long term care facility, LivingCare doubles the benefit to help cover the higher cost for this more formal type of care. More than financial assistance You and your family will need more than financial support if you’re faced with a long term illness or injury. That’s why, once a year, you’ll have access to additional services from our Care Advisor while you’re receiving benefits. Care Support Services, an extra benefit to help you and your loved ones navigate the long term care delivery system in your local area, include:
About LivingCare premiums At Manulife we’re committed to ensuring that you receive the best value for your premium dollars. The premiums you pay for LivingCare are guaranteed not to change for the first five years you own the coverage. After that, and on an annual basis only, we may increase or decrease premiums. If you’ve chosen the Pay to age 100 premium payment option, we will not make premium changes after the later of: the coverage anniversary nearest your 75th birthday or the 20th coverage anniversary. And you can be certain that we will only make changes to premiums if we need to change the cost for all similar LivingCare coverages – this means we cannot single you out for a premium change because of any change to your health or functional ability. That’s our guarantee. Note: Your premiums may change if you make changes to your coverage. Ask your advisor for a sample LivingCare contract, which provides details of LivingCare premiums. Back to Top | |||||||
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