Cost of Coverage

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	Long Term Care Insurance Plan

	The Plan at a Glance

	Participating in the Plan

		Eligible Employees

		Eligible Spouses and Domestic Partners

		Eligible Family Members

		Enrollment

		Evidence of Insurability

		Cost of Coverage

		When Coverage Starts

		When Coverage Ends

	How the Plan Works

	What Is Not Covered

	Filing a Claim

	Glossary

Cost of Coverage

The cost of coverage for you and your family members is an amount based on the daily maximum you choose and your age as of December 1 on or preceding the date your coverage becomes effective. Each covered family member has his or her own cost based on the below factors.

Levels of Coverage

You can create a personalized plan by choosing from these levels or options of coverage.

Daily Benefit Amount options:

$100 daily benefit option (minimum)

$150 daily benefit option

$200 daily benefit option

$250 daily benefit option (maximum)

Total Lifetime Maximum options:

3 years (1,095 days)

5 years (1,825 days)

Nonforfeiture Coverage Option

The Nonforfeiture feature is only available, as an option, if you design a custom plan. With this feature, if you stop paying premiums after three years, you keep a reduced level of benefits. The amount will be based on the greater of the total premiums you have paid, or 30 times your daily benefit amount.

Can I pay for coverage through payroll deductions?

You can pay for coverage through the following:

you and your spouse or approved domestic partner can pay for your coverage through payroll deductions

your eligible family members can be billed for their coverage quarterly, semi-annually, annually, or they can set up monthly deductions from their checking account.

When does my cost of coverage change?

Your premiums are based on the coverage level you choose and your age, as of the date your coverage becomes effective. Your premium may increase:

if Long Term Care Insurance rates are adjusted on a class basis for all participants. These adjusted rates will be passed on to all participants

if you buy additional coverage; your age as of the effective date of the increase will determine the price for the additional coverage

Will my cost for coverage increase as I get older?

Generally, your cost for coverage remains unchanged. However, if you elect the optional inflation protection feature, your cost for this increased coverage will be based on your age as of the effective date and reflects the additional cost associated with providing coverage to persons in your age category.

Are my premiums waived while I`m receiving benefits?

Yes, your premiums are waived for you while you are receiving benefits. Your premiums will start again the first day of the month on or following the date you are no longer certified as chronically ill.

You should contact MetLife regarding qualifying benefits.

Taxes

Do I pay with before-tax or after-tax dollars?

You make plan payments with after-tax dollars.

There is potential favorable federal income tax treatment of your Long Term Care Insurance premiums:

a portion of your premium paid may be tax deductible. If your eligible premium, in conjunction with other medical expenses, exceeds 7.5% of your adjusted gross income and does not exceed dollar limits as specified by the IRS, it will be tax deductible if you itemize your taxes. There are caps on the amount that can be deducted, based on your age

benefits you receive will generally not be considered taxable income, provided that they are within IRS limits or that amounts in excess of the IRS limits are used for medical care