Insurance
 
 

Benefits & Home Care Services

LTCI can help you pay a home health aide or other health care professional to assist with activities of daily living or ADLs. It also provides other benefits, such as:
  • Home Modifications – These include safety-related changes to your home that may enable you to remain at home longer. Home safety checks are also included.
  • Special Equipment – Includes items like a hospital bed, wheelchair or medical alert system.
  • Caregiver Training – Your informal caregiver can receive training specific to your needs from a qualified healthcare professional.
  • Respite Care – This covers care arrangements when your informal caregiver needs a break.
  • Adult Day Care – Provides social interaction and health-related assistance in a community setting.
  • Assisted Living Facilities –Secure home-like settings with staff to help address your specific needs.
  • Nursing Homes – For people who are in need of round-the-clock nursing care.
  • Hospice Care – Care and counseling for you and your family if you become terminally ill. Care may be provided in your home or a residential facility.
  • Bed Reservation Benefit – Covers the cost of holding your bed if you need to temporarily leave your residential facility.
  • Alternate Care Benefit – Helps to pay for care services specified in your plan of care, as a cost-effective alternative to services covered by the contract.
  • International Care Benefit – Provides a limited benefit if you need care outside of the U.S.
  • Care Coordination Services Benefit – This pays for a care coordinator to help you and your family identify the services you need. Locate local caregivers and facilities. Assist in developing, implementing and coordinating your plan of care and monitoring your ongoing care.

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Exclusions (may vary by state)

Thrivent Long-Term Care Insurance does not cover the following:
  • Charges billed by a doctor.
  • Prescription drugs.
  • Charges that are or would be reimbursable under Medicare, except for the application of a deductible or coinsurance amount.
  • Services received outside the U.S., except if covered under the International Care Benefit.
  • Care required due to a suicide attempt or an intentionally self-inflicted injury.
  • Care provided for the treatment of alcoholism or drug addiction.
  • Care or services provided by an immediate family member.
  • Care where benefits are payable under any federal or state workers' compensation, employer's liability or, occupational disease law.

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Activities of Daily Living (ADLs)

ADL's consist of bathing, toileting, continence, dressing, eating and transferring.
  • Bathing – Washing oneself in a tub or shower, including getting in or out of the tub or shower, or by sponge bath.
  • Eating – Feeding oneself from a receptacle such as a plate or cup, or by feeding tube or intravenously.
  • Transferring – The ability to move oneself in or out of a bed, a chair or wheelchair.
  • Dressing – Putting on and taking off all items of clothing and necessary braces, fasteners or artificial limbs.
  • Using the Toilet – Getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene-related tasks.
  • Continence – The ability to control urination and bowel movements.

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Couples and Domestic Partners

A couple or domestic partner includes:
  • Two people who are married.
  • State-recognized partners/civil unions/domestic partners that are named in a valid certificate or licensed by the state (definition may vary by state).
  • Two individuals who have been living together for at least three consecutive years in a committed relationship as partners or family members, and;
    • Are committed to sharing expenses.
    • Are not married.
    • If related, belong to the same generation (such as siblings).

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Payment Options

Three payment options are available:
  • Lifetime Pay – Your premiums are payable for life.
  • 10 Pay – You pay premiums for 10 years.
  • Pay to Age 65 – You pay premiums until you reach age 65. (You must be age 55 or younger to select this option.)

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