Mutual Care 3 & 5

These pre-packaged policies contain the long-term care benefits our customers purchase most often. Both packages provide essential coverage without a lot of extras.

	Mutual Care 3	Mutual Care 5
Benefit period	3 years	5 years
Maximum monthly benefit	$3,000 - $15,000 (in $500 increments)	$3,000 - $15,000 (in $500 increments)
Cash benefit amount	35% of home health care maximum monthly benefit	35% of home health care maximum monthly benefit
Elimination period	90 calendar days	90 calendar days
Inflation protection	Lifetime 3% compound annually	20-year 5% compounded annually
Optional benefits	Spouse Shared Care Non-forfeiture Shortened Benefit Period	Spouse Shared Care Non-forfeiture Shortened Benefit Period

Benefits and features may vary by state