Women have a lot of reasons to plan for chronic illness care.

By adding the BenefitAccess Rider to PruLife® Founders Plus UL and other permanent life insurance products, your clients can have death benefit protection plus the ability to:

  • Accelerate up to 100% of the death benefit if they become chronically or terminally ill.* Certification and claim approval required.
  • Once certified, receive benefits to use however they choose. No bills to submit. No receipts required. And no waiting period for expenses to be approved.
  • Use the benefits to get care at home from anyone they choose, including a family member.

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Reasons to Plan: A conversation about aging.
Bring the issue of chronic care planning home for your clients.

The 5 Ws of chronic illness care.

An easy way to raise awareness of this issue with your clients. Expand to learn more.

7 in 10 people who are age 65 will need chronic illness care later in life. For women, however, the odds are 8 in 10.

Source: longtermcare.gov/the-basics/who-needs-care/ (Accessed February 12, 2014).

When chronic illness care is needed for many months or years, it?s usually for two reasons:

1 Assistance with activities of daily living (ADL), which include dressing, eating, bathing, and toileting.

2 Supervision because of cognitive impairment, such as Alzheimer's disease or other causes of dementia.

Source: Prudential, The 5 Ws of Chronic Illness Care, 2014.

Most chronic illness care is provided at home by families.

Source: Prudential, The 5 Ws of Chronic Illness Care, 2014.

Chronic care is more often needed at older ages, when limitations in the activities of daily living (ADLs) are more common.

Reasons why women have higher rates of ADL disability:

  • They lose bone (osteoporosis) and muscle (sarcopenia) faster than men.
  • They are more likely to be frail and fall.
  • They have more fractures and serious injuries after falling.

Source: Smith AK, et al. "Disability during the last two years of life." JAMA Internal Medicine. 2013;173:1506?13. Likelihood based on estimates from Figure 3, p.1510.

The duration of chronic illness care varies widely. But 20% of 65-year-olds will need it for more than five years.

Source: Commission on Long-Term Care. Report to the Congress. September 30, 2013.

Get the facts about BenefitAccess:

  • What are some conditions people often need care for?
    There are a wide range of conditions that may cause someone to become chronically ill. Some examples include Alzheimer's disease, stroke or chronic heart and lung diseases. Or clients may be terminally ill, for example, in the final stages of cancer. This rider is not Long Term Care (LTC) insurance and is not intended to replace LTC.
  • How do clients qualify for BenefitAccess benefit payments?
    Clients qualify for benefits when a licensed health care practitioner certifies that the insured:
    1) without substantial assistance, has been or will be for a period of at least 90 days, unable to perform at least 2 of 6 Activities of Daily Living (Bathing, Dressing, Eating, Transferring, Toileting, Continence); OR
    2) requires substantial supervision due to a severe cognitive impairment; AND
    3) the condition is expected to last the rest of the insured's life.
    Recertification is required every 12 months.
    4) or is certified by a licensed health care practitioner as terminally ill (has a life expectancy of 6 months [CA: 12 months] or less and otherwise meets the terms of the rider.
  • Do clients need to submit bills or receipts to receive benefits?
    No. BenefitAccess pays benefits without regard to expenses incurred by client.
  • What are some ways clients can use income from BenefitAccess payments?
    Once qualified, there are no restrictions on the use of benefit payment proceeds. Benefits can be used for medical costs or for any other reason such as transportation, home renovations and maintenance, groceries, prescriptions, and other day-to-day living expenses.
  • Can clients choose to receive care at home?
    Yes. Care can be received at home by anyone, including a family member or health care professional.
  • What is the monthly benefit amount?
    The monthly benefit under the rider is 2% of the death benefit amount at the time of claim, not to exceed the lesser of: A) The monthly equivalent of the IRS Per Diem Limit at the time of claim; or B) The monthly equivalent of the IRS Per Diem Limit on the policy issue date, compounded annually at 4%. The IRS Per Diem Limit for 2014 is $330. On PruLife Universal Protector, the face amount is advanced.

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