*for your state specific Outline of Coverage, login to ADDS®
Benefits of Vantage Recovery
Full Restoration of Benefits
Choose the coverage that fits you and your budget - You can select daily benefits up to $300 and benefit periods of 90, 180, 270 or 360 days. Benefits can begin as early as day 1 or as late as day 21 after nursing home confinement or home health care begins.
Following confinement in a nursing home, and after being confinement-free for six consecutive months, 100% of the benefit period is restored. If a Home Health Care Rider is issued, this also applies. The lifetime maximum benefit is two times the benefit period selected.
No Prior Hospitalization Required
Guaranteed Renewable for Life
The insured may enter the nursing facility directly from their home; there is no pre-hospitalization requirement.
A policy cannot be cancelled due to changes in health as long as premiums are paid on time, either in advance or during the grace period.
Broad Definition of Coverage
Benefits are paid when the insured is unable to perform any of the two of five Activities of Daily Living and their physician verifies that it is medically necessary for a nursing home stay.
Optional riders are available to enhance coverage. Riders include the Home Health Care and Cancer First Occurrence Benefit Rider.
*Product availability and benefits can vary by state. State version Sales Brochures and Outlines of Coverage may apply. Please visit ADDS for your licensed state(s) specific collateral.
Short-Term Care Nursing Facility Confinement Policy form B 21702 underwritten by Bankers Fidelity Life Insurance Company®, Atlanta, GA. Limitations and Exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Application to determine eligibility required. Product availability and benefits may vary by state.