MutualCare® Solutions Portfolio
An overview of the
traditional LTCi products
your clients need.
Long-Term Care Insurance
399633_0820
For producer use only. Not for
use with the general public.
What Matters Most?
If your clients are concerned about protecting their retirement assets…if they
don’t want to rely on family members to care for them…and if their goal is to
remain comfortably at home as long as possible, a traditional long-term care
policy may be the best way to help them protect the things that matter most.
MutualCare Solutions is designed to provide the comprehensive long-term care
coverage most people need. Policies can be tailored to meet each client’s specific
situation. And benefits are flexible enough to allow the policy to work the way
people need it to…when they need it.
The MutualCare® Solutions Portfolio
MutualCare Secure Solution MutualCare Custom Solution
A traditional policy that gives people the security of
knowing they have a measure of asset protection.
A good fit for:
• Customers who are looking for easy-to-
understand benefit choices
• Agents who like a product with a simple design
and traditional benefits
A policy with the flexibility to manage expenses and
control how dollars in the “account” are spent.
A good fit for:
• Customers who want to pick and choose their
benefits
• Agents who are looking for a product with a
strong premium solve capability
Two Policies…Some of the Same Great Features
Both policies in the MutualCare Solutions portfolio provide coverage for home
health care as well as care received in an assisted living facility and nursing
home. They also contain many of the same features and benefits.
What’s the Difference?
A variety of choices and optional benefits make it easy to tailor a policy to meet
the needs of any client.
MutualCare Secure Solution MutualCare Custom Solution
Policy limit based on a benefit multiplier Policy limit based on a pool of dollars
25 percent cash benefit built in 25 percent cash benefit built in
Basic optional benefits Enhanced optional benefits
• More inflation protection options
• More partner benefits
• More return-of-premium options
Cash Benefit with No Elimination Period
Provides cash to pay for any cost
associated with LTC expenses.
Monthly Benefit Amount
Allows greater flexibility to maximize
policy benefits.
Calendar-Day Elimination Period
Provides reimbursement
benefits sooner.
Stay-at-Home Benefits
Includes multiple benefits to help people
stay at home as long as possible.
Low Inflation Protection Options
Allows you to reach a client’s
desired premium.
Partner-Friendly Benefits
Includes benefits for partners who
purchase identical coverage.
Partnership-Qualified Policies
Gives LTCi policyholders a Medicaid
safety net.
No Cap on Premium Allowances
Provides maximum savings by giving clients
all allowances they’re eligible to receive.
A Side-by-Side Comparison
Compare the policies to determine which is the best fit for your client.
MutualCare Secure Solution MutualCare Custom Solution
Issue Ages 30-79*
Tax Status Tax-Qualified Only
Partnership Qualified
(Based on state approval, age of the applicant
and inflation option selected)
Yes
Built-In Benefits
Policy Limit Benefit multiplier
Options include
24, 36, 48 or 60 months
(Benefit multiplier x maximum monthly
benefit = policy limit)
Pool of dollars
Options include $50,000 to
$500,000 in $500 increments
Maximum Monthly Benefit $1,500 to $10,000
per month
(In $1 increments)
$1,500 to $10,000
per month
(In $50 increments; subject to monthly benefit
and policy limit combinations)
Elimination Period 90, 180 or 365 calendar days 0, 30, 60, 90, 180 or 365
calendar days
Cash Benefit 25 percent of home health care
benefit
(Up to initial maximum of $2,000 per month)
25 percent of home health care
benefit
(Up to initial maximum of $2,000 per month)
Nursing Home Benefit 100 percent
Assisted Living Facility Benefit 50, 75 or 100 percent of maximum monthly benefit
Home Health Care Benefit 50, 75 or 100 percent of maximum monthly benefit
Adult Day Care Benefit Up to 100 percent of the monthly home health care benefit
*NY issue ages 30-75. Policy benefits and details subject to change by state.
Stay-at-Home Benefits
• Caregiver Training
• Durable Medical Equipment
• Home Modification
• Medical Alert System
Up to two times the maximum monthly benefit
Bed Reservation Benefit
For Nursing Home & Assisted
Living Facility
30 calendar days per year
Respite Care Benefit 1 month per calendar year
Hospice Care Benefit Maximum monthly benefit
(No elimination period applies)
International Benefit Maximum monthly benefit
for up to 12 months
Waiver of Premium
• Nursing Home
• Assisted Living Facility
• Home Health Care
Included
(Subject to eligibility requirements)
Alternate Care Benefit Available when care coordination is used
Optional Partner Benefits
Shared Care Available
Security Benefit Available
Joint Waiver of Premium Not Offered Available
Survivorship Benefit Not Offered Available
Return-of-Premium Benefits (less claims paid)
Return of Premium at Death –
Three Times Initial Maximum
Monthly Benefit
Available
Return of Premium at Death Not Offered Available
Return of Premium at Death – If
Death Occurs Before Age 65
Not Offered Available
MutualCare Secure Solution MutualCare Custom Solution
Other Optional Benefits
Waiver of Elimination Period for
Home Health Care
Available
Professional Home Health Care Not Offered Available
Nonforfeiture – Shortened
Benefit Period
(Removes Contingent Nonforfeiture built into
the policy)
Available
Inflation Protection
Inflation Protection Options Lifetime:
3, 4 or 5 percent compound
Inflation Percentage:
1 to 5 percent compound in
.25 percent increments
20-Year:
3 or 5 percent compound
Inflation Duration:
Lifetime, 20, 15 or 10 years
Inflation Protection Buy-Up
Option
Not Offered Available
Premium Allowances
Partner – Both Policies Issued 15 percent
Partner – One Policy Issued 5 percent
Preferred 15 percent
Association/Sponsored Group 5 percent
Producer 5 percent
Common Employer 5 percent
Premium Payment
Lifetime Default
NOTE: Partner is defined as spouses who are legally married, domestic or civil union partners, or adults in a serious, committed personal relationship that is intended to
be lifelong and who have shared a common residence for the most recent three years, are not married to or a domestic or civil union partner of anyone else, and are not
related in any way that would bar marriage.
We’re Mutually Invested
in Long-Term Care
Together, we help people protect
their families, their homes and their
retirement nest eggs with long-term
care insurance. Mutual of Omaha’s
investment began more than 30 years
ago when we sold our first LTCi policy.
Today, we remain committed to the
market, to our customers and to you!
Our commitment to the marketplace
Even though other companies have left the market,
LTCi is a core product for us and we remain steadfast in
our commitment to helping people plan for their long-
Our commitment to our customers
As a mutual company, we’re not influenced by outside
interests. Instead, we make every decision with the
best interest of our policyholders in mind.
Our commitment extends to helping you build your
business by developing products your customers want,
pricing them appropriately so they’re easy for you to
sell and providing the tools and support you need.
Learn More
Send an Email
Our Sales Support team is here to
answer your questions.
Go Online
Sales Professional Access is the place
to go for LTCi information.
mutualofomaha.com/sales-professionals
Why Mutual of Omaha
We’re invested in your success. We’re committed
to giving you the products your customers want
plus the tools, resources and support you need.
MutualofOmaha.com/sales-professionals
