Lanternfield LTC schedule of benefits

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Long-Term Care Service Center
PO Box 90218
Nashville, TN 37209

Lanternfield Life & Annuity (888) 555-0108
lanternfield.example

Long-Term Care Insurance Policy, Schedule of Benefits
Policy number: LTC-04-2291847

Insured: Lorraine M. Pruitt Date of birth: 02/11/1945

Policy date: September 1, 2004 Age at issue: 59

Benefits
Benefit Amount

Nursing facility, daily maximum $150.00

Assisted living facility, daily maximum $150.00

Home and community care, daily maximum $150.00

Benefit period 4 years

Lifetime maximum benefit $219,000.00

Inflation protection None

Home care benefits pay the actual charges of a licensed home care organization, up to the
daily maximum, for each day on which covered care is received.

Elimination period
90 days of service. Benefits begin after the insured has received covered care on 90
separate days. The days do not have to be consecutive but must fall within a period of 270
days. The elimination period has to be met only once.

When benefits are payable
A licensed health care practitioner must certify that the insured (a) needs substantial hands-on
help with at least 2 of the 6 activities of daily living (bathing, dressing, eating, toileting,
transferring, continence) for an expected 90 days or more, or (b) needs substantial
supervision because of severe cognitive impairment. A plan of care is required and must be
renewed every 12 months.

Premium
Item Amount

Current annual premium (after the 2019 rate increase) $2,870.00

Waiver of premium. Premiums are waived starting with the first premium due after the
elimination period has been met, for as long as benefits are payable. Premiums due before
that date must be paid.

This schedule is part of the policy. A companion policy, LTC-04-2291846, issued to Walter E.
Pruitt, ended on November 9, 2022.

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Lanternfield LTC schedule of benefits Document · saved Jan 13, 2026

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Value	Now
ltc-policy-lorraine.policy_number	LTC-04-2291847
lorraine.date_of_birth	1945-02-11
ltc-policy-lorraine.annual_premium	2870

The values at render time were not recorded: the file was rendered before files/rendered.json existed. Rendering it again records them.

Planted

only_in_file The extra-furosemide rule, one sentence on page 5 of the ten-page January 2025 discharge packet (one extra 20 mg tablet for a gain of 3 lb in a day or 5 lb in a week, call cardiology the same day, not more than two days running); the POA clause that lets Walt sell her house only after a physician's written statement and 30 days' notice to Russ; the principal balance on the September 2026 mortgage statement ($171,717.32); the memory test score (19 of 30); next year's drug plan premium ($46.20); the long-term-care daily benefit ($150); the 401(k) balance ($318,406.12 on June 30, 2026); every number on the September labs, which exist only as a portal screenshot (eGFR 33, A1c 7.9); the wind and hail deductible on Walt's house ($3,180); the owner and the title number on the Buick's title, which is a scan with no text (WALTER E PRUITT, 14 177 406219, no lien); the FMLA entitlement (480 hours for 2026); the lease clause that makes renter's insurance a condition, with $15 a month charged until proof is given; what Gentle Ridge has billed this year ($17,284.00 through September); mortgage interest paid in 2025 ($6,912.51); Camille's immunization dates.

attachments.yaml

record: doc-ltc-schedule
template: document
style: statement
org:
  name: Lanternfield Life & Annuity
  lines:
  - Long-Term Care Service Center
  - PO Box 90218
  - Nashville, TN 37209
  phone: '8885550108'
  web: lanternfield.example
  color: '#6b4a1f'
title: Long-Term Care Insurance Policy, Schedule of Benefits
body: '**Policy number:** {{ltc-policy-lorraine.policy_number}}


  **Insured:** Lorraine M. Pruitt &nbsp;&nbsp; **Date of birth:** {{lorraine.date_of_birth|mdy}}


  **Policy date:** September 1, 2004 &nbsp;&nbsp; **Age at issue:** 59


  ## Benefits


  | Benefit | Amount |

  |---|---|

  | Nursing facility, daily maximum | $150.00 |

  | Assisted living facility, daily maximum | $150.00 |

  | Home and community care, daily maximum | $150.00 |

  | Benefit period | 4 years |

  | Lifetime maximum benefit | $219,000.00 |

  | Inflation protection | None |


  Home care benefits pay the actual charges of a licensed home care organization, up to the daily maximum,
  for each day on which covered care is received.


  ## Elimination period


  **90 days of service.** Benefits begin after the insured has received covered care on 90 separate days.
  The days do not have to be consecutive but must fall within a period of 270 days. The elimination period
  has to be met only once.


  ## When benefits are payable


  A licensed health care practitioner must certify that the insured (a) needs substantial hands-on help
  with at least 2 of the 6 activities of daily living (bathing, dressing, eating, toileting, transferring,
  continence) for an expected 90 days or more, or (b) needs substantial supervision because of severe
  cognitive impairment. A plan of care is required and must be renewed every 12 months.


  ## Premium


  | Item | Amount |

  |---|---|

  | Current annual premium (after the 2019 rate increase) | {{ltc-policy-lorraine.annual_premium|money}}
  |


  **Waiver of premium.** Premiums are waived starting with the first premium due after the elimination
  period has been met, for as long as benefits are payable. Premiums due before that date must be paid.


  This schedule is part of the policy. A companion policy, LTC-04-2291846, issued to Walter E. Pruitt,
  ended on November 9, 2022.

  '