Disclosures


Policy form numbers: 

STC150; STC150(AL); STC150(AR); STC150(CO); STC150(GA); STC150(IA); STC150(MI); STC150(MS); STC150(MT); STC150(NC); STC150(NV); STC150(OH); STC150(OK); STC150(OR); STC150(PA); STC150(SC); STC150(TN); STC150(WI); STC150(WY)


This policy is not available in the following states:

Alaska, California, Connecticut, Florida, Hawaii, Kansas, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, South Dakota, Vermont, and Washington.


Preexisting condition limitation

We will not pay benefits for any loss for a preexisting condition during the first six months after the policy date. If after the policy date a rider is added to the policy, or benefits are increased under the policy or any attached rider, we will not pay the increased benefits for any loss for preexisting conditions during the first six months after the date the increased benefits become effective.


Premiums and renewabiity

You may renew this coverage for life by paying the premiums as they come due. A grace period of 31 days will be allowed for the payment of each premium due after the first premium is paid. We reserve the right to change the premium rates on any renewal date only if we do the same to all policies in the same class. The total premium you pay for your coverage may vary depending on your premium payment method. Your premium may change if you change benefits or if there is a misstatement on the application that results in the proper amount due not being charged. Your benefits and premiums will vary depending on the plan, coverage choices and each optional benefit selected.


30-day right to return

You have 30 days after you receive the policy to examine it and return it to us or the agent if you are dissatisfied. We will refund the premium you paid, less any claims paid, and void the policy.


Guaranteed renewable

This policy is guaranteed renewable for life as long as your premiums are paid on time.


This policy is not major medical insurance and is not a substitute for major medical insurance. It does not qualify as minimum essential health coverage under the Federal Affordable Care Act. If you purchase this policy only, you will not satisfy the federal requirement that you have health coverage, which is in effect beginning Jan. 1, 2014.


Exclusions and limitations (may vary by state)

No benefits will be paid for any expense not identified and included as a covered loss under the policy. You will be fully responsible for payment of any expense that is not a covered loss. We will not pay benefits for:

  1. Any loss that occurs while this policy is not in force.
  2. Services or supplies not covered under this policy or not included in your plan of care.
  3. Treatment of complications of a non-covered loss.
  4. Any treatment for loss that: 
    1. Is not medically necessary.
    2. Is not prescribed by a physician as necessary to treat a sickness or injury.
    3. Is determined to be experimental or investigational.
    4. Is received without charge or legal obligation to pay.
    5. Would not routinely be paid in the absence of insurance.
    6. Is received from any family member.
  5. Any suicide attempt, while sane or insane, or any intentionally self-inflicted injury.
  6. Alcoholism, drug addiction, or their complications, unless addiction resulted from narcotics prescribed by a physician.
  7. Injuries received or caused directly or indirectly while under the influence of a controlled substance, unless prescribed by a physician, or by intoxication as defined by the laws and jurisdiction of the geographic area in which the loss or cause of loss was incurred.
  8. Loss to which a contributing cause was your commission of or attempt to commit a felony or being engaged in an illegal occupation.
  9. Loss that occurs outside the territorial limits of the United States.
  10. Any loss resulting from war, declared or undeclared, or actively serving in the armed forces or their auxiliary units, including any country’s National Guard or Army Reserve or their equivalent.
  11. Any loss resulting from any device for aerial navigation, except as a fare-paying passenger.

THIS IS A LIMITED POLICY. IT IS NOT A SHORT-TERM MAJOR MEDICAL PRODUCT.

For Pennsylvania the product name is Supplemental Short-Term Care Insurance Policy.


Not connected with or endorsed by the United States government or the federal Medicare program.


This is a solicitation of insurance and a licensed agent/producer may contact you.


DIS-002 

11-25-19