<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s5af0315c-af56-4489-81f1-655e47c0c7c9Normal { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s5af0315c-af56-4489-81f1-655e47c0c7c9000000 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } p.s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } p.s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002 { text-align: center; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } 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padding-right: 5.4pt; border-bottom: none; border-left: none; padding-left: 5.4pt; padding-top: 0; padding-bottom: 0; } td.s5af0315c-af56-4489-81f1-655e47c0c7c9000008 { vertical-align: top; width: 397.15pt; border-top: none; border-right: none; padding-right: 5.4pt; border-bottom: none; border-left: none; padding-left: 5.4pt; padding-top: 0; padding-bottom: 0; } </style></head><body><div><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">DEPARTMENT OF LABOR AND REGULATION</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">DIVISION OF INSURANCE</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">DISCLOSURE FORM</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">THINGS YOU SHOULD KNOW BEFORE YOU BUY LONG-TERM CARE INSURANCE</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">Chapter 20:</span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">06:21</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">APPENDIX F</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">SEE: § </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:53.02"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000003">20:06:21:53.02</span></a></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    </span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Source:</span><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont"> 28 SDR 157, effective </span><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">May 19, 2002; 33 SDR 230, effective </span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">July 2, 2007.</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000005"><br />&#x200e;</span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Things You Should Know Before You Buy</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000002"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Long-Term Care Insurance</span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><div align="left"><table dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000006"><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Long-Term</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    A long-term care insurance policy may pay most of the costs for your care in</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Care</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    a nursing home. Many policies also pay for care at home or other community</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Insurance</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    settings. Since policies can vary in coverage, you should read this policy and</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    make sure you understand what it covers before you buy it.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    [You should </span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">not</span><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont"> buy this insurance policy unless you can afford to pay the </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    premiums every year.] [Remember that the company can increase premiums</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    in the future.]</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    The personal worksheet includes questions designed to help you and the</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    company determine whether this policy is suitable for your needs.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Medicare</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Medicare does </span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">not</span><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont"> pay for most long-term care.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Medicaid</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Medicaid will generally pay for long-term care if you have very little income</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    and few assets. You probably should </span><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">not</span><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont"> buy this policy if you are now</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    eligible for Medicaid.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Many people become eligible for Medicaid after they have used up their </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    own financial resources by paying for long-term care services.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    When Medicaid pays your spouse's nursing home bills, you are allowed to</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    keep your house and furniture, a living allowance, and some of your joint </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    assets.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Your choice of long-term care services may be limited if you are receiving</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    Medicaid. To learn more about Medicaid, contact your local or state </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    Medicaid agency.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Shopper's</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Make sure the insurance company or agent gives you a copy of a book called</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Guide</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    the National Association of Insurance Commissioners' "Shopper's Guide to</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    Long-Term Care Insurance." Read it carefully. If you have decided to apply</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    for long-term care insurance, you have the right to return the policy within </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    30 days and get back any premium you have paid if you are dissatisfied for </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    any reason or choose not to purchase the policy</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Counseling</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Free counseling and additional information about long-term care insurance</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    are available through your state's insurance counseling program. Contact</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    your state insurance department or department on aging for more informa-</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    tion about the senior health insurance counseling program in your state.</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont-000004">Facilities</span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">"    Some long-term care insurance contracts provide for benefit payments in</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    certain facilities only if they are licensed or certified, such as in assisted</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    living centers. However, not all states regulate these facilities in the same</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    way. Also, many people move to a different state from where they purchased </span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    their long-term care insurance policy. Read the policy carefully to determine</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    what types of facilities qualify for benefit payments, and to determine that</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    payment for a covered service will be made if you move to a state that has a</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    different licensing scheme for facilities than the one in which you purchased</span></p></td></tr><tr><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000007"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></td><td class="s5af0315c-af56-4489-81f1-655e47c0c7c9000008"><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9DefaultParagraphFont">    the policy.</span></p></td></tr></table></div><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p><p dir="ltr" class="s5af0315c-af56-4489-81f1-655e47c0c7c9Normal-000001"><span xml:space="preserve" class="s5af0315c-af56-4489-81f1-655e47c0c7c9000000"> </span></p></div></body></html>