What is covered under the FLTCIP?
Comprehensive coverage under the FLTCIP includes:

• nursing home care, assisted living facility care, and hospice care at up to 100 percent of the chosen daily benefit amount;
• respite care (temporary care if your normal caregiver needs time off) at up to 100 percent of the chosen daily benefit amount (limited to 30 times your daily benefit amount per calendar year, but the waiting period does not apply);
• bed reservations at up to 100 percent of the chosen daily benefit amount (limited to 60 days per calendar year);
• home care, adult day care, formal caregiver services, and hospice care at up to 100 percent of the chosen daily benefit amount (the waiting period does not apply to hospice care);
• informal caregiver services by people who didn’t normally live in the enrollee’s home at the time the enrollee became eligible for benefits (benefits for care provided by family members are limited to 500 days lifetime); and
• a stay-at-home benefit covering services such as care planning visits, home modifications, emergency medical response systems, durable medical equipment, caregiver training, and home safety checks (limited to 30 times the daily benefit amount, but the waiting period does not apply).

Note: Some applicants who are not approved to enroll in the insurance they originally applied for will be offered an Alternative Insurance Plan that offers nursing home only coverage with a 180 day waiting period and two-year benefit period. If you are denied the standard insurance and are not offered the Alternative Insurance Plan, you will be offered a Service Package that is not insurance—it only provides access to a care coordinator, general information and referral services, and access to a discounted network of long-term care providers and services.

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