Long-Term Care Insurance International Benefits


Sometimes, your clients might need to leave the country, but they won't need to leave their LTC policies behind. The below long-term care insurance products still offer some benefits outside the U.S., albeit with restrictions. See policy for additional restrictions and limitations to international benefits.


MUTUAL OF OMAHA CUSTOM CARE

Full monthly benefit for up to 12 months: "Pays up to 100% of MMB [maximum monthly benefit] up to an International Benefit Lifetime Maximum of 12 months."


LINCOLN MONEYGUARD

No homecare. Residential and Nursing Facility benefits only: "No benefits are payable for Covered Services, other than Nursing Facility Care Services or Residential Care Facility Services, that are received outside of the United States."


ONEAMERICA ASSET CARE

No homecare. Residential and Nursing Facility benefits only. Subject to 100% of the monthly maximum but capped to 12 months: "Payment Limitations: The amount of the benefit for care received in an International Facility is limited to 100% of the monthly benefit limit for up to 12 months."

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800.924.2294
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415.472.7637
4302 Redwood Hwy, Suite 400
San Rafael, CA 94903
Bay Area Disability
Insurance Services, Inc.
CA License #0647178