Preserving the simple joys of everyday living. Simplicity is a new

Simplicity is a new generation product from
MedAmerica Insurance Company. We’ve offered quality
long term care insurance to individuals and employer
groups for [more than 15 years]. Recognized for our quality
products, excellent service, and strong financial position,
MedAmerica is—above all—totally committed to being
there when long term care services are needed.
Preserving the simple joys
of everyday living.
Count on us for the long term.
Adminstrative office:
[165 Court Street]
[Rochester, NY 14647]
[
S364
]
Yo u d o n’t h ave
to c o m p l i c a te
yo u r l i fe s t y l e
to m a i n t a i n i t .
We’ve taken the complexity out of
long term care insurance with clear language,
Life’s simple joys. Home. Hobbies. Sharing everyday experiences
with friends and family. Isn’t that what it’s all about?
great flexibility, and amazingly few rules.
Simplicity is a tax-qualified cash product
delivering high-quality coverage and
exceptional peace of mind.
But what does it take to protect
these basic pleasures? How would
your life change if you needed
long term care? The high cost of
care could make it harder to
preserve the life you’ve built and
connections you cherish. How
can you know today what it will
take to provide for your lifestyle
tomorrow?
Now there’s long term care
insurance that doesn’t make you
predict the future to protect it.
Traditional insurance only covers
specific services. Simplicity doesn’t
define the services you can receive.
It gives you the means to obtain
the services you need.
With Simplicity, once you’re
eligible, you automatically
receive a monthly cash benefit.
And no one tells you which
services you can access or
limits the duration of them.
It’s that simple.
H ow d o e s
i t wo r k ?
With such confusing long term
care policies out there, you may
be shocked by the plain language
of ours. But you really can get the
care you want and need on your
own terms. To be as clear as
possible, we’ve answered the
most common questions about
Simplicity right here:
How is this different from other
long term care insurance?
Yes. You receive the monthly cash benefit you selected for
Yo u j u s t
as long as you need care; up to your lifetime limit. Use the
money as you choose for the care you want, from whomever
send me
a check?
you want, wherever you want, anywhere in the world. Receive
care from a nurse or from your niece. With Simplicity, there are
no restrictions, third-party bills to submit for reimbursement,
or limits. You decide what’s best for you. And you have the
resources to maintain your lifestyle—your way.
Traditional long term care insurance
plans can be complicated.They may
require you to submit provider bills,
endure a lengthy approval process,
and accept limits on the types of
services you can receive or the
amount you can receive each day.
Simplicity is different. Whether you
want to stay in your home or need
the care of nursing facility, as long
as you are eligible and need care,
you will receive a monthly cash
benefit. Simple as that.
What happens when I need
to use my benefits?
After you are determined eligible
for long term care benefits and
have completed your Elimination
Period, you need only submit one
simple request for payment each
month. Then you will begin
receiving your monthly cash benefit.
What if I need help or advice?
We’re here. When you need
assistance, MedAmerica’s Personal
Care Advisors can be a source of
comfort as well as information.
Because we pay benefits regardless
of the services you use, our
Personal Care Advisors are only
concerned with your needs. You
can get this help any time your
policy is in force—free of charge.
What can I use the benefits for?
You can get whatever you need
to balance your life with your
need for long term care. That
means every service covered
under traditional reimbursement
policies and more—including
nursing home, assisted living,
home care, respite care, bed
reservation, alternate care,
caregiver training, or equipment.
How is Simplicity priced?
Simplicity is highly competitive
with traditional long term care
insurance, which can be
complicated. And with all of its
freedom and flexibility, it delivers
outstanding value.
riders
Inflation
Cu s t o m f i t
yo u r c ove r a g e.
options
Premium Payment
Monthly Benefit
Elimination Period
With Simplicity, there are a variety
of payment plans:
• Lifetime
Premiums are payable as long as
your policy is in force.
• 10 Pay
Payment terms allow for a paid-infull benefit within 10 years.
• Paid Up at Age 65
Premiums are payable until the
first policy anniversary date on or
after your 65th birthday.
• Reduced Premium
You can decide to reduce the
Lifetime Premium Payment by 50%
on the policy anniversary date on
or after either your 65th or 70th
birthday.
To give you total peace of mind,
you can tailor your future monthly
payments to your anticipated needs:
• Minimum monthly benefit
of $2,100.
• Maximum monthly benefit—
set at time of application—with
no limitations.
You even have choices about how
long you will need to wait to start
receiving monthly cash benefits:
• Choose the number of Calendar
Days in your Elimination
Period—30, 60, 90, or 180 days.
• If you have multiple events over
time, your Elimination Period
days are cumulative. They do not
need to be consecutive.
Lifetime Maximum
You can select a maximum length
of reimbursement for your monthly
benefit payments that matches
your needs:
• Minimum of 24 months.
• Maximum can be unlimited
if you choose.
If you choose to add Inflation
Protection to your policy, you can
increase your Maximum Monthly
Benefit to protect against the
anticipated increases in the cost
of long term care. Our three
optional riders include:
• 5% Compound—No Maximum
Annual increase in your Maximum
Monthly Benefit equal to 5%
of your prior year’s Maximum
Monthly Benefit.
• 5% Compound—2x Maximum
Annual increases in your Maximum
Monthly Benefit equal to 5% of
your prior year’s Maximum Monthly
Benefit until it is twice the original
amount.
• 5% Simple—Annual increase in
your Maximum Monthly Benefit
equal to 5% of your original
Maximum Monthly Benefit.
• Shortened Benefit Period
Continued coverage equal to
premiums you have paid if your
policy has been in force for three
years and lapses.
• Full Return of Premium
If you die while the policy is in
force, we will refund all premiums
you have paid for the policy
and riders.
• Return of Premium
The same protection as Full Return
of Premium except any benefits
paid or payable are deducted.
Restoration of Benefits
Whenever a period of 180 days
elapses in which you were not
chronically ill, we will restore your
Lifetime Maximum to what it
would have been had no benefits
been paid under your policy.
Simplicity allows you and another
person, referred to as a Care Partner,
to purchase together and share
benefits on each other’s policies.
You each must purchase these
riders to share the protection:
• Survivor Benefit
If one of you dies after 10 years,
the other pays no further premiums.
• Shared Care
If you use your own Lifetime
Maximum you can, with your Care
Partner’s consent, use the Lifetime
Maximum of the other policy.
Partners must always reserve at
least 24 months of benefits on
the other’s policy.
• Shared Waiver
When the premiums are waived
for one of you, they are waived for
the other as well.
Non-forfeiture
With these riders, you can add a
policy feature that returns at least
part of the premiums you paid if
you cancel your policy or let it lapse:
This is the time to
safeguard the joys in your life.
You’ll never be younger
or in better health.
Simplicity is the answer.
Call your MedAmerica agent
for a refreshing new approach
to protecting your lifestyle.
Additional premium required. Availability may vary by state.
Refer to your Outline of Coverage.
Availability may vary by state. Some age restrictions may apply.
Community Only and Facility Only options are available where permitted.
Joint Benefits
The benefits under this policy are paid without regard to the type and amount of
actual long term care expenses.You should consult your tax advisor with respect to
the potential tax implications of purchasing this coverage.