Waiver of premium is a benefit that relieves the insured of their obligation to pay
future premiums once they have been confined to a qualified nursing home for 180
Do I need to continue paying my premiums?
Yes, the Contract states premiums must continue until the claim is approved.
How do I know if the facility is approved?
The facility must be licensed as a skilled nursing facility. Assisted Living and
Personal Care Homes are not eligible.
Can I apply if my policy is lapsed?
Yes, and we will determine eligibility based on the confinement dates and when the
coverage lapsed. Please note we will not approve this benefit if the policy lapsed
prior to the admission date or during the 180 day waiting period.
Does the nursing home doctor have to complete section 2?
Section 2 must be completed by a treating physician.
Who receives the refund?
The refund is issued to the owner of the policy.
How do I apply for my Waiver of Premium Benefit?
Nursing Home Premium Waiver