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Get Peak Protection for You and Your Family

City of Seattle. Get Peak Protection for You and Your Family. Prudential Long-Term Care Solid Solutions SM Enrollment Enrollment Period: September 4 – September 21, 2012. The Prudential Insurance Company of America (Prudential ) 0202777. You are qualified for coverage now.

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Get Peak Protection for You and Your Family

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  1. City of Seattle Get Peak Protection for You and Your Family Prudential Long-Term Care Solid SolutionsSM Enrollment Enrollment Period: September 4 – September 21, 2012 The Prudential Insurance Company of America (Prudential) 0202777

  2. You are qualified for coverage now.

  3. Peak Protection FROM A NAME YOU KNOW AND TRUST Let’s talk… • What is long-term care? • Why is long-term care insurance needed? • What kind of coverage can you get? • Why should you buy it now? • How and when can you enroll?

  4. What is long-term care? Long-term care involves… The help or supervision provided for someone with a severe cognitive impairment or who requires assistance with the activities of daily living because of a chronic illness or disability.

  5. Long-term care assists with… Activities of Daily Living (ADLs) • Bathing • Dressing • Eating • Toileting • Continence • Transferring OR Cognitive Impairment • Severe loss or deterioration of intellectual capacity

  6. Some common reasons why people need long-term care services • Stroke • Cancer • Heart Conditions • Spinal Cord Injury • Alzheimer’s Disease (The 2008 Sourcebook for Long-Term Care Insurance Information, 2008.)

  7. Annual costs can be significant. $93,440 $78,475 (Average stay = 2.4 years) $39,550 $35,160 Prudential Financial Long-Term Care Cost Study – Prudential Financial Global Market Research, 2010. www.prudential.com/insurance/longtermcare

  8. You and your family may not be protected. * MediCalis the Medicaid Program in California

  9. Peak Protection FROM A NAME YOU KNOW AND TRUST • What kind of coverage can you get?

  10. You select your coverage amount… Your “Pool of Money”

  11. …and protection against inflation. Standard Guaranteed Purchase Option OptionalAutomatic Inflation Protection, available at an additional cost Benefit Benefit Dollars Dollars Premium Premium 40 67 40 67 Age (years) Age (years) Rates may only be increased on a rate-class basis.

  12. You have immediate* coverage. One Elimination/Benefit Waiting Period Home Support Services Respite Care Information and Referral Services Private Care Consultant Hospice Care Benefit * While you don't need to satisfy the elimination period, you do need to meet benefit eligibility criteriain order to access these benefits.

  13. You can add thisoptional benefit • Non-Forfeiture/Shortened Benefit Period Option

  14. These additional benefits are included. Cash Alternative Benefit Restoration of Benefits International Benefit

  15. Some limitations and exclusions apply. An Outline of Coverage, with complete plan information, including limitations and exclusions, will be provided.

  16. Peak Protection FROM A NAME YOU KNOW AND TRUST • Why should you buy it now?

  17. Advantages of buying it at work… It’s Guaranteed — for actively at work employees during Open Enrollment. It’s economical — group rates for employer groups. It’s portable — same plan and premium.* It’s easy online enrollment. *Prudential has the right to increase premium rates in the future but only on a class basis.

  18. Your premiums will be direct billed

  19. It’s from Prudential.

  20. Peak Protection FROM A NAME YOU KNOW AND TRUST • How and when can you enroll?

  21. Next steps… Information Sources Enrollment Choices

  22. Peak Protection FROM A NAME YOU KNOW AND TRUST Get peak protection for you and your family. Enrollment Period Ends September 21, 2012 Questions? Call Prudential at 800-732-0416 • Online Learning Center www.prudential.com/insurance/longtermcare

  23. Peak Protection FROM A NAME YOU KNOW AND TRUST Prudential Long-Term Care Solid SolutionsSM is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102 800-732-0416. This coverage contains benefits, exclusions, limitations, eligibility requirements, and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. The Prudential Insurance Company of America is authorized to conduct business in all U.S. states and the District of Columbia. All insurance policies/options may not be available in your state. Coverage is issued under Contract Series 83500. (In Idaho coverage is issued under 83500 BFW 500S.) This is a solicitation for long-term care insurance. Nothing in this presentation is intended to guarantee eligibility for coverage or payment of any claim. Actual coverage is subject to the terms and conditions, including limitations and exclusions, set forth in the actual insurance agreement. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide. 0202777-00001-00

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