Attachment 3A - Current Enrollees and Premiums - Revised.doc

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Attached to
Long Term Care Insurance Services Federal contract opportunity
Solicitation number
OPM049-08-R-0002
Issued by
Office of Personnel Management

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Attachment 3A - Current Enrollees and Premiums - Revised

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RFP Number OPM049-08-R-0002 - Second Round of RFP Questions and Answers.doc DOC document
RFP Number OPM049-08-R-0002 - Amendment Number 0002.doc DOC document
Attachment 11 - 2004 FLTCIP Experience Fund Balance Sheet.pdf PDF
Attachment 13 - 2006 FLTCIP Experience Fund Balance Sheet.pdf PDF
RFP Number OPM049-08-R-0002 - Amendment Number 0001.doc DOC document
Attachment 12 - 2005 FLTCIP Experience Fund Balance Sheet.pdf PDF
RFP Number OPM049-08-R-0002 - Questions and Answers.doc DOC document
Attachment 14 - 2007 FLTCIP Experience Fund Balance Sheet.pdf PDF
Attachment 10 - OPM Letter to State Medicaid Directors Regarding Partnerships.pdf PDF
Attachment 6B - Alternative Insurance Plan Outline of Coverage.doc DOC document
Attachment 6H - Service Package Brochure.pdf PDF
RFP Number OPM049-08-R-0002.doc DOC document
Attachment 8 - Contractor Staffing Change Report.doc DOC document
RFP Number OPM049-08-R-0002 - Cover Letter.doc DOC document
Attachment 2 - Federal Long Term Care Insurance Program Regulations.doc DOC document
Attachment 1 - Long Term Care Security Act.doc DOC document
Attachment 3B - Profile of Employees and Retirees.doc DOC document
Attachment 6J - Alternative Insurance Plan Application.pdf PDF
Attachment 6C - Early Enrollment Outline of Coverage.doc DOC document
Attachment 3A - Current Enrollees and Premiums.doc DOC document
Attachment 6D - Alternative Insurance Plan Benefit Booklet.pdf PDF
Attachment 4 - Communication Vehicles.doc DOC document
Attachment 7 - Quality Assurance Surveillance Plan.doc DOC document
Attachment 6A - Outline of Coverage.pdf PDF
Attachment 6I - Abbreviated Underwriting Application.pdf PDF
Attachment 6E - Benefit Booklet.doc DOC document
Attachment 9 - Small Business Subcontracting Plan Template FY 2008 and 2009.doc DOC document
Attachment 6L - Full Underwriting Application.pdf PDF
Attachment 5 - Voluntary Beneftis Portal - BENEFEDS.doc DOC document
Attachment 6F - Early Enrollment Benefit Booklet.doc DOC document
Attachment 6K - Coverage Change Application.pdf PDF
Attachment 6G - Service Package Welcome Kit.pdf PDF
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Text version

Current Enrollees and Premiums

By Issue Age

Number of Active Enrollees as of Sept 30, 2007

Comprehensive (75% HC) & Facilities-Only Plans*

3 Year
5 Year
Lifetime
Issue Age
FPO
ACI
FPO
ACI
FPO
ACI
<33
286
741
251
461
704
1,055
33-37
334
1,088
391
947
772
1,389
38-42
736
2,624
939
2,495
1,333
2,737
43-47
1,477
5,430
1,841
5,007
1,792
4,211
48-52
3,023
10,482
3,277
9,521
2,349
6,092
53-57
4,839
15,539
4,395
12,302
2,631
6,586
58-62
5,704
14,735
3,703
8,672
2,173
4,487
63-67
6,218
11,255
2,893
4,679
1,755
2,550
68-72
5,625
7,253
2,047
2,117
973
1,083
73-77
2,797
2,277
672
448
212
194
78+
1,488
813
287
133
83
54
32,527
72,237
20,696
46,782
14,777
30,438

Average Daily Maximum Benefit as of Sept 30, 2007

Comprehensive (75% HC) & Facilities-Only Plans*

3 Year
5 Year
Lifetime
Issue Age
FPO
ACI
FPO
ACI
FPO
ACI
<33
$119
$120
$175
$171
$175
$172
33-37
$124
$126
$179
$177
$178
$178
38-42
$128
$129
$184
$177
$177
$175
43-47
$131
$132
$183
$175
$175
$178
48-52
$133
$132
$182
$175
$174
$175
53-57
$130
$133
$175
$172
$169
$172
58-62
$125
$131
$168
$168
$163
$168
63-67
$121
$128
$160
$167
$158
$164
68-72
$118
$127
$155
$165
$153
$165
73-77
$114
$124
$147
$160
$141
$160
78+
$109
$123
$138
$158
$134
$160
$123
$130
$171
$171
$168
$172

*excludes Nonstandard plan enrollees By Attained Age

Number of Active Enrollees as of Sept 30, 2007

Comprehensive (75% HC) & Facilities-Only Plans*

Attained

Age

3Year
5Year
Lifetime
FPO
ACI
FPO
ACI
FPO
ACI
<33
128
322
83
146
325
420
33-37
156
436
153
300
385
696
38-42
318
1,043
346
893
713
1,357
43-47
678
2,459
880
2,310
1,323
2,684
48-52
1,371
5,079
1,712
4,717
1,748
4,107
53-57
2,840
10,067
3,088
9,119
2,271
5,963
58-62
4,820
15,639
4,527
12,643
2,768
6,775
63-67
5,696
14,779
3,824
8,906
2,219
4,546
68-72
6,210
11,242
2,989
4,810
1,745
2,460
73-77
5,741
7,618
2,064
2,272
959
1,126
78-82
2,877
2,514
712
498
242
239
83+
1,692
1,039
318
168
79
65
32,527
72,237
20,696
46,782
14,777
30,438

Average Daily Maximum Benefit as of Sept 30, 2007

Comprehensive (75% HC) & Facilities-Only Plans*

Attained

Age

3Year
5Year
Lifetime
FPO
ACI
FPO
ACI
FPO
ACI
<33
$114
$115
$171
$167
$176
$165
33-37
$119
$121
$174
$168
$173
$172
38-42
$126
$126
$177
$176
$177
$176
43-47
$129
$128
$185
$176
$177
$176
48-52
$130
$131
$182
$174
$174
$176
53-57
$133
$132
$181
$174
$175
$175
58-62
$130
$132
$176
$172
$169
$172
63-67
$126
$131
$169
$169
$164
$169
68-72
$121
$129
$161
$168
$158
$167
73-77
$118
$127
$156
$167
$154
$165
78-82
$114
$125
$150
$162
$141
$164
83+
$109
$123
$139
$161
$134
$155
$123
$130
$171
$171
$168
$172

*excludes Nonstandard plan enrollees There are 459 Nonstandard enrollees as of Sept 30, 2007 By State and Gender

Enrollees as of Sept 30, 2007

State
Female
Male
Total
---------
State
Female
Male
Total
AK
574
537
1,111
NC
2,938
2,244
5,182
AL
2,752
2,108
4,860
ND
200
175
375
AR
721
582
1,303
NE
648
575
1,223
AZ
2,242
1,852
4,094
NH
467
442
909
CA
9,531
8,065
17,596
NJ
1,987
1,712
3,699
CO
2,870
2,547
5,417
NM
1,222
962
2,184
CT
434
397
831
NV
811
749
1,560
DC
2,192
1,672
3,864
NY
2,360
2,029
4,389
DE
382
306
688
OH
2,627
2,199
4,826
FL
6,123
4,933
11,056
OK
1,584
1,196
2,780
GA
3,543
2,751
6,294
OR
1,477
1,323
2,800
GU
35
31
66
PA
3,123
2,801
5,924
HI
1,794
1,746
3,540
PR
115
83
198
IA
711
659
1,370
RI
242
220
462
ID
592
547
1,139
SC
1,590
1,227
2,817
IL
2,920
2,384
5,304
SD
344
320
664
IN
1,036
846
1,882
TN
2,226
1,773
3,999
KS
1,206
1,001
2,207
TX
6,858
5,378
12,236
KY
1,031
759
1,790
UT
796
720
1,516
LA
992
779
1,771
VA
16,288
13,829
30,117
MA
1,425
1,241
2,666
VI
37
24
61
MD
15,257
11,993
27,250
VT
180
173
353
ME
482
417
899
WA
3,223
2,935
6,158
MI
1,251
1,093
2,344
WI
886
766
1,652
MN
1,043
942
1,985
WV
747
566
1,313
MO
2,237
1,710
3,947
WY
248
214
462
MS
877
688
1,565
Other
910
920
1,830
MT
561
514
1,075
Total
118,948
98,655
217,603

Plan Distribution of Enrollees as of March 2008

Plan Benefit
% of Enrollees
Comprehensive
89%
Facilities-Only
11%
30-Day Waiting Period
12%
90-Day Waiting Period
88%
Daily Benefit
87%
Weekly Benefit
13%
$100 DBA (initial benefit)
40%
$150 DBA (initial benefit)
36%
other DBA
24%
Affiliation at time of Application
Active Enrollees as of March 2008
Avg Age at time of Application
Non-Postal Employee
90,934
51.45
Postal Employee
6,107
51.46
Uniformed Service Employee
3,031
45.25
Spouse of Employee
34,569
52.40
Employees/Spouses
134,641
Non-Postal + Postal Retiree
38,164
64.23
Uniformed Service Retiree
11,812
63.12
Spouse of Retiree
24,069
62.50
Retirees/Spouses
74,045
Surviving Spouse
5,769
67.48
Parents/In-Laws
3,106
66.34
Adult Children
2,194
39.06
Other
2
57.50
Qualified Relatives
11,071
Total
219,757
56.08

FLTCIP Experience

FLTCIP Lapse Experience through 9/30/2007

Issue Age

Duration
36-45
46-55
56-62
63-67
68-72
73+
1
4.2%
3.7%
3.6%
2.9%
2.1%
2.5%
2
2.4%
1.7%
1.5%
1.2%
1.0%
1.2%
3
1.9%
1.4%
0.9%
0.7%
0.6%
1.0%
4
1.5%
1.0%
0.7%
0.5%
0.5%
0.9%

Enrollees In Claims Status (met Waiting Period)

Mar-03
Mar-04
Mar-05
Mar-06
Mar-07
Mar-08

Age:

<31
0
0
0
0
0
0
31-35
0
0
0
0
0
0
36-40
0
1
0
0
0
0
41-45
2
2
2
1
1
1
46-50
1
1
4
2
3
8
51-55
4
5
16
11
17
13
56-60
1
8
18
17
31
43
61-65
0
5
15
28
40
48
66-70
1
14
31
38
42
61
71-75
0
12
20
47
87
108
76-80
0
4
21
34
74
102
81-85
0
1
12
51
82
115
86+
0
4
9
19
54
108

Gender:

Male
2
28
58
92
166
219
Female
7
29
90
156
265
388
Total:
9
57
148
248
431
607

Active Enrollees Approved for Claims as of Sept 30, 2007

(includes Enrollees in Waiting Period)

Full Months Since Date of First Claims Eligibility Determination (including Waiting Period)
Number of Enrollees
Full Months Since Date of First Claims Eligibility Determination (including Waiting Period)
Number of Enrollees
0
13
31
8
1
44
32
16
2
38
33
15
3
30
34
14
4
33
35
13
5
33
36
14
6
36
37
13
7
29
38
9
8
38
39
11
9
15
40
11
10
31
41
8
11
24
42
3
12
26
43
10
13
21
44
15
14
20
45
8
15
37
46
10
16
25
47
3
17
24
48
6
18
31
49
5
19
26
50
10
20
22
51
5
21
26
52
9
22
19
53
4
23
12
54
6
24
16
55
3
25
18
56
2
26
20
57
2
27
12
58
2
28
13
59
1
29
11
60
1
30
11

Enrollees Deceased in Claims Status through Sept 30, 2007

(includes Deaths in Waiting Period)

Full Months Since Date of First Claims Eligibility Determination (including Waiting Period)
Number of Enrollees
Full Months Since Date of First Claims Eligibility Determination (including Waiting Period)
Number of Enrollees
0
274
31
1
1
164
33
3
2
97
34
1
3
51
35
2
4
41
36
2
5
37
38
1
6
29
39
1
7
15
40
0
8
21
41
2
9
26
42
0
10
15
43
1
11
19
44
0
12
11
45
0
13
12
46
0
14
7
47
0
15
4
48
2
16
9
17
5
18
5
19
3

Enrollees Reaching Lifetime Maximum

20
5

through Sept 30, 2007

21
7

Full Months Eligible

22
8
(including Waiting Period)
Number of Enrollees
23
2
31
1
24
5
41
1
25
6
44
2
26
6
27
1
28
4
29
3
30
3

FLTCIP Experience Fund

(dollars in millions)

Fiscal Year

Ended Sept 30

Premium Income
Claims Paid
Ending Balance

Experience Fund

2003
191.9
0.2
181.2
2004
269.2
1.6
377.6
2005
276.2
4.2
573.6
2006
287.5
8.2
783.0
2007
295.6
14.1
1,043.9

Current Premium Rates

Monthly Premiums for $100 Daily Benefit

Comprehensive Plan
Comprehensive Plan
Comprehensive Plan
Comprehensive Plan
Daily Benefit
Daily Benefit
Daily Benefit
Daily Benefit
90-Day Waiting Period
90-Day Waiting Period
30-Day Waiting Period
30-Day Waiting Period
Automatic Compound Inflation
Future Purchase Option
Automatic Compound Inflation
Future Purchase Option
Age
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
30
32.00
38.60
53.00
8.40
9.40
11.40
35.80
43.60
59.60
9.20
10.40
12.60
31
32.94
39.84
54.69
8.77
9.80
11.98
36.96
45.02
61.58
9.57
10.84
13.25
32
33.91
41.12
56.43
9.15
10.23
12.59
38.16
46.49
63.63
9.95
11.30
13.93
33
34.91
42.43
58.23
9.55
10.66
13.22
39.40
48.01
65.75
10.35
11.78
14.65
34
35.94
43.80
60.09
9.97
11.12
13.90
40.68
49.58
67.94
10.77
12.28
15.41
35
37.00
45.20
62.00
10.40
11.60
14.60
42.00
51.20
70.20
11.20
12.80
16.20
36
38.20
46.63
64.02
10.81
12.15
15.32
43.39
52.81
72.45
11.71
13.42
17.03
37
39.44
48.10
66.11
11.23
12.72
16.08
44.82
54.48
74.77
12.25
14.06
17.90
38
40.72
49.62
68.27
11.67
13.32
16.88
46.30
56.20
77.17
12.80
14.74
18.82
39
42.04
51.18
70.50
12.13
13.94
17.72
47.82
57.97
79.65
13.39
15.45
19.79
40
43.40
52.80
72.80
12.60
14.60
18.60
49.40
59.80
82.20
14.00
16.20
20.80
41
45.00
54.73
75.48
13.28
15.39
19.70
51.19
62.06
85.28
14.79
17.13
22.04
42
46.65
56.74
78.25
14.00
16.22
20.87
53.04
64.41
88.48
15.62
18.11
23.36
43
48.37
58.81
81.13
14.76
17.10
22.10
54.95
66.85
91.79
16.49
19.15
24.75
44
50.15
60.97
84.11
15.56
18.03
23.41
56.94
69.38
95.23
17.42
20.24
26.23
45
52.00
63.20
87.20
16.40
19.00
24.80
59.00
72.00
98.80
18.40
21.40
27.80
46
53.90
65.54
90.36
17.30
20.07
26.19
61.23
74.67
102.48
19.44
22.65
29.44
47
55.86
67.97
93.64
18.24
21.20
27.67
63.54
77.45
106.29
20.53
23.96
31.17
48
57.90
70.48
97.03
19.24
22.40
29.22
65.93
80.32
110.24
21.69
25.36
33.00
49
60.01
73.09
100.55
20.29
23.66
30.86
68.42
83.31
114.35
22.91
26.84
34.94
50
62.20
75.80
104.20
21.40
25.00
32.60
71.00
86.40
118.60
24.20
28.40
37.00
51
64.74
78.96
108.41
22.83
26.68
34.83
73.95
89.97
123.40
25.81
30.35
39.58
52
67.39
82.26
112.78
24.37
28.47
37.22
77.01
93.69
128.39
27.53
32.44
42.33
53
70.15
85.70
117.34
26.00
30.38
39.77
80.21
97.57
133.58
29.36
34.67
45.28
54
73.01
89.27
122.07
27.74
32.42
42.49
83.53
101.60
138.98
31.32
37.05
48.43
55
76.00
93.00
127.00
29.60
34.60
45.40
87.00
105.80
144.60
33.40
39.60
51.80
56
79.17
96.80
132.06
31.53
36.97
48.44
90.64
110.22
150.50
35.73
42.32
55.36
57
82.46
100.75
137.32
33.59
39.51
51.69
94.44
114.82
156.64
38.22
45.23
59.16
58
85.90
104.86
142.79
35.78
42.21
55.16
98.39
119.61
163.03
40.89
48.33
63.22
59
89.47
109.14
148.48
38.11
45.11
58.85
102.51
124.60
169.68
43.75
51.65
67.56
60
93.20
113.60
154.40
40.60
48.20
62.80
106.80
129.80
176.60
46.80
55.20
72.20
61
97.77
119.15
161.75
43.72
51.91
67.52
112.12
136.21
185.13
50.43
59.48
77.73
62
102.56
124.97
169.44
47.08
55.89
72.59
117.71
142.95
194.08
54.34
64.10
83.68
63
107.59
131.08
177.51
50.70
60.19
78.04
123.58
150.01
203.46
58.56
69.07
90.08
64
112.87
137.48
185.95
54.60
64.82
83.90
129.73
157.42
213.29
63.10
74.43
96.98
65
118.40
144.20
194.80
58.80
69.80
90.20
136.20
165.20
223.60
68.00
80.20
104.40
66
124.86
152.02
205.22
63.56
75.45
97.60
143.72
174.33
235.73
73.54
86.82
113.02
67
131.66
160.27
216.20
68.71
81.55
105.61
151.66
183.97
248.52
79.53
93.98
122.34
68
138.84
168.97
227.77
74.28
88.15
114.28
160.04
194.14
262.00
86.01
101.73
132.44
69
146.42
178.14
239.96
80.30
95.29
123.65
168.87
204.87
276.22
93.02
110.12
143.37
70
154.40
187.80
252.80
86.80
103.00
133.80
178.20
216.20
291.20
100.60
119.20
155.20
71
169.34
206.11
277.57
97.70
116.00
150.83
195.69
237.60
320.35
113.41
134.50
175.31
72
185.72
226.20
304.76
109.96
130.64
170.04
214.90
261.12
352.42
127.86
151.76
198.02
73
203.68
248.25
334.62
123.77
147.12
191.69
236.00
286.97
387.70
144.14
171.23
223.68
74
223.39
272.44
367.40
139.31
165.69
216.09
259.16
315.38
426.51
162.50
193.21
252.66
75
245.00
299.00
403.40
156.80
186.60
243.60
284.60
346.60
469.20
183.20
218.00
285.40
76
265.94
324.53
438.07
173.30
206.27
269.46
309.46
376.98
510.98
202.94
241.48
316.54
77
288.67
352.24
475.71
191.54
228.02
298.06
336.49
410.03
556.49
224.81
267.50
351.08
78
313.35
382.32
516.60
211.70
252.05
329.70
365.89
445.98
606.05
249.04
296.32
389.39
79
340.13
414.97
560.99
233.98
278.63
364.69
397.85
485.08
660.02
275.87
328.24
431.88
80
369.20
450.40
609.20
258.60
308.00
403.40
432.60
527.60
718.80
305.60
363.60
479.00
81
388.41
473.60
640.86
276.72
329.38
431.58
456.33
556.30
758.71
327.87
389.88
514.19
82
408.63
498.00
674.15
296.10
352.24
461.73
481.36
586.57
800.84
351.76
418.05
551.97
83
429.89
523.66
709.18
316.85
376.69
493.98
507.77
618.48
845.31
377.39
448.27
592.53
84
452.26
550.63
746.04
339.05
402.84
528.48
535.62
652.12
892.25
404.90
480.66
636.07
85
475.80
579.00
784.80
362.80
430.80
565.40
565.00
687.60
941.80
434.40
515.40
682.80
86
518.62
631.11
855.43
395.45
469.57
616.29
615.85
749.48
1026.56
473.50
561.79
744.25
87
565.30
687.91
932.42
431.04
511.83
671.75
671.28
816.94
1118.95
516.11
612.35
811.23
88
616.17
749.82
1016.34
469.84
557.90
732.21
731.69
890.46
1219.66
562.56
667.46
884.25
89
671.63
817.31
1107.81
512.12
608.11
798.11
797.54
970.60
1329.43
613.19
727.53
963.83
90
732.08
890.86
1207.51
558.21
662.84
869.94
869.32
1057.96
1449.08
668.38
793.01
1050.57
91
797.96
971.04
1316.19
608.45
722.49
948.23
947.56
1153.17
1579.49
728.53
864.38
1145.12
92
869.78
1058.43
1434.65
663.21
787.52
1033.57
1032.84
1256.96
1721.65
794.10
942.17
1248.19
93
948.06
1153.69
1563.76
722.90
858.40
1126.60
1125.80
1370.09
1876.60
865.57
1026.97
1360.52
94
1033.39
1257.53
1704.50
787.96
935.65
1227.99
1227.12
1493.39
2045.49
943.47
1119.39
1482.97
95
1126.39
1370.70
1857.91
858.88
1019.86
1338.51
1337.56
1627.80
2229.58
1028.38
1220.14
1616.44
96
1227.77
1494.07
2025.12
936.18
1111.65
1458.97
1457.94
1774.30
2430.25
1120.94
1329.95
1761.92
97
1338.27
1628.53
2207.38
1020.43
1211.70
1590.28
1589.16
1933.99
2648.97
1221.82
1449.65
1920.49
98
1458.71
1775.10
2406.04
1112.27
1320.75
1733.41
1732.18
2108.05
2887.37
1331.79
1580.12
2093.33
99
1589.99
1934.86
2622.59
1212.38
1439.62
1889.41
1888.08
2297.77
3147.24
1451.65
1722.33
2281.73

Monthly Premiums for $700 Weekly Benefit

Comprehensive Plan
Comprehensive Plan
Comprehensive Plan
Comprehensive Plan
Weekly Benefit
Weekly Benefit
Weekly Benefit
Weekly Benefit
90-Day Waiting Period
90-Day Waiting Period
30-Day Waiting Period
30-Day Waiting Period
Automatic Compound Inflation
Future Purchase Option
Automatic Compound Inflation
Future Purchase Option
Age
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
30
33.60
41.40
58.40
8.80
10.20
12.80
38.20
47.00
66.20
9.60
11.00
14.20
31
34.65
42.75
60.24
9.13
10.61
13.42
39.44
48.50
68.30
10.00
11.51
14.92
32
35.74
44.14
62.14
9.48
11.03
14.06
40.71
50.05
70.47
10.43
12.04
15.68
33
36.86
45.58
64.10
9.84
11.47
14.74
42.03
51.65
72.71
10.87
12.60
16.48
34
38.01
47.07
66.12
10.21
11.92
15.45
43.39
53.30
75.02
11.32
13.19
17.32
35
39.20
48.60
68.20
10.60
12.40
16.20
44.80
55.00
77.40
11.80
13.80
18.20
36
40.44
50.10
70.34
11.08
12.98
17.03
46.23
56.76
79.88
12.35
14.45
19.11
37
41.72
51.65
72.55
11.57
13.59
17.90
47.70
58.58
82.43
12.92
15.14
20.06
38
43.04
53.25
74.83
12.09
14.23
18.82
49.22
60.46
85.07
13.52
15.86
21.05
39
44.40
54.90
77.18
12.63
14.90
19.79
50.78
62.40
87.79
14.14
16.61
22.10
40
45.80
56.60
79.60
13.20
15.60
20.80
52.40
64.40
90.60
14.80
17.40
23.20
41
47.47
58.68
82.47
13.92
16.49
21.98
54.30
66.78
93.87
15.66
18.43
24.58
42
49.21
60.84
85.44
14.67
17.43
23.22
56.26
69.24
97.27
16.56
19.52
26.05
43
51.01
63.08
88.51
15.47
18.43
24.54
58.30
71.80
100.78
17.52
20.68
27.61
44
52.87
65.40
91.70
16.31
19.49
25.93
60.41
74.45
104.43
18.53
21.90
29.25
45
54.80
67.80
95.00
17.20
20.60
27.40
62.60
77.20
108.20
19.60
23.20
31.00
46
56.81
70.29
98.39
18.17
21.78
28.97
64.94
80.09
112.11
20.71
24.55
32.81
47
58.89
72.87
101.90
19.18
23.02
30.63
67.36
83.10
116.16
21.88
25.98
34.74
48
61.05
75.55
105.54
20.26
24.34
32.38
69.88
86.21
120.35
23.11
27.50
36.77
49
63.28
78.32
109.30
21.40
25.73
34.24
72.49
89.45
124.70
24.42
29.10
38.92
50
65.60
81.20
113.20
22.60
27.20
36.20
75.20
92.80
129.20
25.80
30.80
41.20
51
68.26
84.45
117.57
24.14
29.02
38.62
78.29
96.56
134.27
27.55
32.93
43.99
52
71.02
87.83
122.11
25.78
30.96
41.19
81.52
100.48
139.53
29.41
35.20
46.98
53
73.90
91.34
126.82
27.53
33.03
43.94
84.87
104.55
145.00
31.40
37.63
50.16
54
76.89
95.00
131.72
29.40
35.24
46.87
88.36
108.79
150.69
33.53
40.22
53.57
55
80.00
98.80
136.80
31.40
37.60
50.00
92.00
113.20
156.60
35.80
43.00
57.20
56
83.21
102.75
142.03
33.47
40.12
53.30
95.76
117.77
162.67
38.27
45.93
61.05
57
86.55
106.86
147.45
35.67
42.81
56.81
99.67
122.53
168.98
40.92
49.06
65.15
58
90.03
111.13
153.08
38.02
45.67
60.55
103.75
127.49
175.53
43.75
52.41
69.53
59
93.64
115.58
158.93
40.53
48.73
64.55
107.99
132.64
182.33
46.77
55.98
74.21
60
97.40
120.20
165.00
43.20
52.00
68.80
112.40
138.00
189.40
50.00
59.80
79.20
61
102.12
125.91
172.49
46.47
55.92
73.81
117.85
144.61
198.12
53.84
64.40
85.18
62
107.07
131.89
180.32
49.98
60.14
79.19
123.56
151.55
207.24
57.98
69.35
91.62
63
112.26
138.16
188.50
53.76
64.68
84.96
129.54
158.81
216.78
62.44
74.68
98.54
64
117.70
144.72
197.06
57.83
69.55
91.16
135.82
166.42
226.76
67.23
80.42
105.99
65
123.40
151.60
206.00
62.20
74.80
97.80
142.40
174.40
237.20
72.40
86.60
114.00
66
129.91
159.53
216.48
67.21
80.77
105.61
150.02
183.65
249.53
78.22
93.61
123.13
67
136.77
167.87
227.49
72.62
87.21
114.04
158.05
193.38
262.50
84.52
101.19
133.00
68
143.99
176.64
239.06
78.46
94.17
123.15
166.50
203.64
276.15
91.32
109.38
143.66
69
151.60
185.88
251.22
84.78
101.69
132.98
175.41
214.43
290.50
98.66
118.23
155.17
70
159.60
195.60
264.00
91.60
109.80
143.60
184.80
225.80
305.60
106.60
127.80
167.60
71
174.70
214.14
289.02
102.89
123.44
161.50
202.53
247.55
335.12
119.96
143.89
188.82
72
191.23
234.43
316.42
115.57
138.78
181.64
221.97
271.39
367.49
135.00
162.00
212.73
73
209.32
256.65
346.41
129.82
156.02
204.29
243.27
297.53
402.99
151.92
182.39
239.67
74
229.12
280.97
379.25
145.82
175.41
229.75
266.61
326.18
441.91
170.97
205.35
270.01
75
250.80
307.60
415.20
163.80
197.20
258.40
292.20
357.60
484.60
192.40
231.20
304.20
76
271.67
333.03
449.66
180.80
217.55
285.17
317.04
387.98
526.30
212.77
255.60
336.58
77
294.27
360.57
486.99
199.57
239.99
314.71
344.00
420.94
571.59
235.29
282.57
372.40
78
318.75
390.38
527.41
220.29
264.75
347.31
373.24
456.70
620.77
260.20
312.39
412.03
79
345.27
422.66
571.19
243.16
292.07
383.29
404.97
495.50
674.19
287.74
345.36
455.88
80
374.00
457.60
618.60
268.40
322.20
423.00
439.40
537.60
732.20
318.20
381.80
504.40
81
392.81
480.18
649.22
286.69
343.66
451.28
462.61
565.64
770.95
340.76
408.36
539.88
82
412.57
503.87
681.35
306.23
366.56
481.45
487.05
595.14
811.76
364.93
436.77
577.86
83
433.32
528.73
715.07
327.10
390.98
513.63
512.79
626.18
854.73
390.81
467.15
618.52
84
455.11
554.82
750.46
349.39
417.02
547.97
539.88
658.84
899.97
418.52
499.64
662.03
85
478.00
582.20
787.60
373.20
444.80
584.60
568.40
693.20
947.60
448.20
534.40
708.60
86
521.02
634.60
858.48
406.79
484.83
637.21
619.56
755.59
1032.88
488.54
582.50
772.37
87
567.91
691.71
935.75
443.40
528.47
694.56
675.32
823.59
1125.84
532.51
634.92
841.89
88
619.02
753.97
1019.96
483.30
576.03
757.07
736.09
897.71
1227.17
580.43
692.06
917.66
89
674.74
821.82
1111.76
526.80
627.87
825.21
802.34
978.51
1337.61
632.67
754.35
1000.25
90
735.46
895.79
1211.82
574.21
684.38
899.48
874.55
1066.57
1458.00
689.61
822.24
1090.27
91
801.65
976.41
1320.88
625.89
745.97
980.43
953.26
1162.57
1589.22
751.68
896.24
1188.39
92
873.80
1064.28
1439.76
682.22
813.11
1068.67
1039.06
1267.20
1732.25
819.33
976.90
1295.35
93
952.44
1160.07
1569.34
743.62
886.29
1164.85
1132.57
1381.24
1888.15
893.07
1064.83
1411.93
94
1038.16
1264.48
1710.58
810.55
966.06
1269.69
1234.50
1505.56
2058.09
973.44
1160.66
1539.00
95
1131.60
1378.28
1864.54
883.50
1053.00
1383.96
1345.61
1641.06
2243.31
1061.05
1265.12
1677.51
96
1233.44
1502.32
2032.34
963.02
1147.77
1508.52
1466.71
1788.75
2445.21
1156.55
1378.98
1828.49
97
1344.45
1637.53
2215.25
1049.69
1251.07
1644.28
1598.72
1949.74
2665.28
1260.64
1503.09
1993.05
98
1465.45
1784.91
2414.63
1144.16
1363.67
1792.27
1742.60
2125.22
2905.16
1374.09
1638.37
2172.43
99
1597.35
1945.55
2631.94
1247.13
1486.40
1953.57
1899.44
2316.49
3166.62
1497.76
1785.82
2367.95
Monthly Premiums for $100 Daily Benefit
Ben=$200
Facilities-Only Plan
Facilities-Only Plan
Facilities-Only Plan
Facilities-Only Plan
Weekly
Daily Benefit
Daily Benefit
Daily Benefit
Daily Benefit
Non-
90-Day Waiting Period
90-Day Waiting Period
30-Day Waiting Period
30-Day Waiting Period
Standard
Automatic Compound Inflation
Future Purchase Option
Automatic Compound Inflation
Future Purchase Option
Plan
Age
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
3 Year
5 Year
Lifetime
30
21.40
26.40
36.60
6.00
6.60
8.00
24.20
29.60
41.20
6.40
7.20
8.60
17.86
31
22.11
27.26
37.83
6.22
6.89
8.40
24.99
30.57
42.58
6.66
7.49
9.00
18.63
32
22.85
28.15
39.11
6.45
7.20
8.82
25.80
31.58
44.01
6.93
7.80
9.42
19.43
33
23.61
29.07
40.43
6.69
7.52
9.26
26.64
32.62
45.49
7.21
8.12
9.86
20.26
34
24.39
30.02
41.79
6.94
7.85
9.72
27.51
33.69
47.02
7.50
8.45
10.32
21.13
35
25.20
31.00
43.20
7.20
8.20
10.20
28.40
34.80
48.60
7.80
8.80
10.80
22.04
36
25.99
31.98
44.62
7.46
8.53
10.64
29.27
35.92
50.24
8.10
9.17
11.38
23.08
37
26.80
32.98
46.09
7.73
8.88
11.10
30.16
37.09
51.95
8.40
9.55
11.98
24.16
38
27.64
34.02
47.61
8.01
9.24
11.58
31.08
38.29
53.70
8.72
9.95
12.62
25.30
39
28.51
35.09
49.18
8.30
9.61
12.08
32.02
39.52
55.52
9.06
10.37
13.29
26.49
40
29.40
36.20
50.80
8.60
10.00
12.60
33.00
40.80
57.40
9.40
10.80
14.00
27.74
41
30.48
37.61
52.73
9.03
10.54
13.35
34.29
42.43
59.59
9.90
11.41
14.85
29.24
42
31.60
39.07
54.73
9.49
11.11
14.14
35.64
44.12
61.86
10.43
12.05
15.75
30.82
43
32.75
40.59
56.81
9.97
11.70
14.97
37.04
45.87
64.21
10.99
12.73
16.71
32.49
44
33.96
42.16
58.96
10.47
12.34
15.86
38.49
47.70
66.66
11.58
13.44
17.72
34.25
45
35.20
43.80
61.20
11.00
13.00
16.80
40.00
49.60
69.20
12.20
14.20
18.80
36.10
46
36.53
45.50
63.50
11.58
13.72
17.80
41.52
51.52
71.83
12.85
15.05
19.97
38.14
47
37.92
47.27
65.89
12.18
14.47
18.85
43.10
53.52
74.56
13.53
15.95
21.20
40.29
48
39.36
49.11
68.36
12.82
15.27
19.97
44.74
55.60
77.40
14.25
16.91
22.52
42.56
49
40.85
51.02
70.93
13.49
16.11
21.15
46.44
57.76
80.34
15.00
17.93
23.92
44.96
50
42.40
53.00
73.60
14.20
17.00
22.40
48.20
60.00
83.40
15.80
19.00
25.40
47.50
51
44.23
55.24
76.69
15.18
18.21
24.03
50.29
62.60
86.93
16.94
20.38
27.20
50.69
52
46.15
57.58
79.91
16.22
19.51
25.77
52.47
65.32
90.61
18.17
21.87
29.14
54.09
53
48.14
60.01
83.26
17.33
20.91
27.64
54.75
68.16
94.44
19.48
23.46
31.21
57.73
54
50.23
62.55
86.76
18.53
22.40
29.65
57.12
71.11
98.44
20.89
25.17
33.43
61.60
55
52.40
65.20
90.40
19.80
24.00
31.80
59.60
74.20
102.60
22.40
27.00
35.80
65.74
56
54.64
67.99
94.19
21.19
25.67
34.06
62.20
77.39
106.94
24.00
28.94
38.43
70.25
57
56.98
70.90
98.14
22.68
27.46
36.47
64.92
80.72
111.46
25.71
31.02
41.24
75.06
58
59.41
73.94
102.25
24.27
29.37
39.06
67.75
84.20
116.17
27.54
33.25
44.27
80.21
59
61.95
77.10
106.54
25.98
31.41
41.83
70.71
87.82
121.08
29.50
35.64
47.52
85.71
60
64.60
80.40
111.00
27.80
33.60
44.80
73.80
91.60
126.20
31.60
38.20
51.00
91.58
61
68.08
84.71
116.60
30.16
36.50
48.53
77.75
96.49
132.70
34.33
41.50
55.29
98.62
62
71.75
89.26
122.49
32.73
39.64
52.56
81.92
101.64
139.53
37.29
45.08
59.95
106.20
63
75.62
94.04
128.68
35.51
43.06
56.93
86.31
107.07
146.71
40.51
48.98
65.00
114.36
64
79.70
99.09
135.17
38.53
46.77
61.67
90.93
112.78
154.26
44.00
53.21
70.47
123.15
65
84.00
104.40
142.00
41.80
50.80
66.80
95.80
118.80
162.20
47.80
57.80
76.40
132.62
66
88.85
110.36
149.84
45.40
55.18
72.41
101.42
125.71
171.32
52.02
62.90
82.97
143.35
67
93.97
116.66
158.12
49.32
59.93
78.50
107.37
133.02
180.94
56.62
68.45
90.10
154.95
68
99.40
123.32
166.86
53.57
65.10
85.10
113.67
140.75
191.11
61.63
74.48
97.85
167.49
69
105.13
130.36
176.07
58.18
70.71
92.25
120.34
148.94
201.86
67.07
81.05
106.26
181.05
70
111.20
137.80
185.80
63.20
76.80
100.00
127.40
157.60
213.20
73.00
88.20
115.40
195.70
71
122.09
151.34
204.02
71.24
86.55
112.85
140.06
173.30
234.44
82.38
99.58
130.42
220.40
72
134.04
166.22
224.02
80.30
97.54
127.34
153.98
190.57
257.80
92.96
112.43
147.41
248.21
73
147.17
182.55
245.99
90.51
109.92
143.70
169.28
209.56
283.49
104.91
126.93
166.60
279.53
74
161.58
200.50
270.11
102.02
123.87
162.17
186.11
230.44
311.74
118.39
143.31
188.29
314.81
75
177.40
220.20
296.60
115.00
139.60
183.00
204.60
253.40
342.80
133.60
161.80
212.80
354.54
76
192.60
238.96
321.73
127.25
154.42
202.28
222.44
275.45
372.53
148.07
179.28
235.68
391.92
77
209.11
259.32
348.98
140.82
170.82
223.60
241.84
299.42
404.85
164.10
198.64
261.02
433.23
78
227.02
281.41
378.55
155.82
188.95
247.16
262.94
325.48
439.96
181.87
220.09
289.09
478.90
79
246.48
305.38
410.61
172.43
209.01
273.21
285.87
353.81
478.13
201.57
243.86
320.17
529.39
80
267.60
331.40
445.40
190.80
231.20
302.00
310.80
384.60
519.60
223.40
270.20
354.60
585.20
81
281.68
348.44
467.86
204.19
247.13
322.53
327.73
405.16
547.13
239.50
289.36
379.67
625.82
82
296.50
366.35
491.45
218.51
264.15
344.46
345.59
426.82
576.11
256.77
309.88
406.52
669.26
83
312.10
385.18
516.23
233.84
282.35
367.88
364.41
449.64
606.63
275.28
331.86
435.27
715.71
84
328.52
404.98
542.26
250.24
301.81
392.89
384.27
473.68
638.76
295.12
355.40
466.05
765.39
85
345.80
425.80
569.60
267.80
322.60
419.60
405.20
499.00
672.60
316.40
380.60
499.00
818.52
86
376.92
464.12
620.86
291.90
351.63
457.36
441.67
543.91
733.13
344.88
414.85
543.91
892.19
87
410.85
505.89
676.74
318.17
383.28
498.53
481.42
592.86
799.12
375.91
452.19
592.86
972.48
88
447.82
551.42
737.65
346.81
417.78
543.39
524.75
646.22
871.04
409.75
492.89
646.22
1060.01
89
488.13
601.05
804.04
378.02
455.38
592.30
571.97
704.38
949.43
446.62
537.25
704.38
1155.41
90
532.06
655.15
876.40
412.04
496.36
645.61
623.45
767.77
1034.88
486.82
585.60
767.77
1259.39
91
579.94
714.11
955.28
449.13
541.03
703.71
679.56
836.87
1128.02
530.63
638.30
836.87
1372.74
92
632.14
778.38
1041.25
489.55
589.73
767.05
740.72
912.19
1229.54
578.39
695.75
912.19
1496.29
93
689.03
848.43
1134.96
533.61
642.80
836.08
807.39
994.29
1340.20
630.45
758.37
994.29
1630.95
94
751.04
924.79
1237.11
581.63
700.65
911.33
880.05
1083.77
1460.82
687.19
826.62
1083.77
1777.74
95
818.63
1008.02
1348.45
633.98
763.71
993.35
959.26
1181.31
1592.29
749.03
901.02
1181.31
1937.73
96
892.31
1098.75
1469.81
691.04
832.45
1082.75
1045.59
1287.63
1735.59
816.45
982.11
1287.63
2112.13
97
972.62
1197.63
1602.09
753.23
907.37
1180.19
1139.69
1403.52
1891.80
889.93
1070.50
1403.52
2302.22
98
1060.16
1305.42
1746.28
821.02
989.03
1286.41
1242.26
1529.84
2062.06
970.02
1166.85
1529.84
2509.42
99
1155.57
1422.91
1903.45
894.91
1078.04
1402.19
1354.07
1667.52
2247.65
1057.32
1271.86
1667.52
2735.27

File details come from the government source that posted it. Updated .