—Coverage of all levels of care, from custodial to skilled.
—Respite care, which pays a benefit for formal care giving, giving the family care provider some time off.
—An integrated lifetime benefit maximum, which gives insured persons latitude in deciding how to apply their benefits between home care and nursing home care.
—A one-time benefit waiting period.
—No exclusion for pre-existing conditions once an individual is insured.
—The policy is individually owned, enabling policyholders to maintain their coverage as long as premiums are paid, whether or not they continue to work for a TIAA-eligible institution.
For information on Teachers LongTerm Care, call 1-800-582-8422.
