2024 CNO Benefits Open Enrollment Guide | 34 Bankers Life Simple Choice Fundamental Long-Term Care (LTCF), or Short-Term Convalescent Care (STC) Insurance The care you need. The choices you want. When you’re recovering from an injury or illness, it’s comforting to know that you have choices when it comes to your care— including the option to receive care in the privacy of your own home. Bankers Life LTCF/STC features and benefits can include the following: BENEFIT DESCRIPTION HOME CARE • Covers care, services, and supplies from qualified home healthcare providers. • Visits by Home care aides, Nurses, Physical, occupational and speech therapists, Nutritional specialists, and Medical social workers. • Charges related to your home care such as transportation to and from medical appointments, domestic cleaning and laundry services, home delivery of meals from an official program, and food shopping, running errands, meal preparation and clean-up. • Rental of a wheelchair, hospital bed and other durable, portable, therapeutic equipment up to the purchase price. ADULT DAY CARE Covers services at a qualified adult day care facility such as transportation to and from the facility, meals provided by the facility and social, recreational, and educational events designed to improve your functioning and level of self-awareness. FACILITY CARE Pays for care, services, and supplies in all covered facilities, including but not limited to nursing homes, assisted living facilities, Alzheimer’s facilities, and residential healthcare facilities. Other benefits that may be included depending on plan include hospice, bed reservations, guaranteed renewability, and restoration of benefits. *Not all features and benefits may be available. Depending on state of resident either LTCF or STC product will be used. Underwriting company is Bankers Life. *STC is not Long-term Care insurance. *These supplemental products are not part of the CNO Services, LLC employee benefit plan. CNO Services, LLC is not endorsing a particular product nor is it recommending any particular coverage. LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact your agent. *Hope membership required in certain states, ask your agent for details.
