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EH-LTC-7730418-P

personas/retired-couple/files/finance/ltc-policy-peg-schedule.pdf
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                                                                                                    One Elmhaven Plaza
                                                                                                   Des Moines, IA 50309

Elmhaven Assurance Company                                                                               (855) 555-0163
                                                                                                     elmhaven.example




Long-Term Care Insurance - Policy Schedule
Policy number: EH-LTC-7730418-P

Insured: Margaret A. Ostrander

Policy date: June 12, 2012 (issue age 57)

Schedule as of: June 12, 2026

 Benefit                                                                                                   Amount

 Daily benefit at issue                                                                                     $180.00

 Inflation protection                                                      3% compound, each policy anniversary

 Daily benefit from June 12, 2026                                                                           $272.27

 Benefit period                                                                                              4 years

 Lifetime maximum from June 12, 2026                                                                   $397,514.20

 Elimination period                                                          90 days of care, met once in a lifetime

 Care at home                                                                             100% of the daily benefit

 Assisted living and nursing home                                                         100% of the daily benefit

 Waiver of premium                                                           from the end of the elimination period


Shared care rider
This policy is linked to policy EH-LTC-7730418-R (Raymond C. Ostrander). When one insured has used the
whole lifetime maximum, benefits may be drawn from the other's, and a survivor keeps what the other has not
used.

When benefits begin
A licensed health care practitioner certifies that the insured needs substantial help with at least two of six
activities of daily living for 90 days or more, or needs supervision because of severe cognitive impairment.

Premium
 Item                                                                                                      Amount

 Annual premium, due each June 12                                                                         $2,916.00

 Premium before the increase of June 12, 2021                                                             $2,388.00

Premiums are not guaranteed and may be changed for all policies of this class.

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Record

EH-LTC-7730418-P Insurance Policy · saved Mar 21, 2013

Values from records

3render unknown

The record values this file is made from: the ones its text names with {{record.field}}, and the fields its template reads. A value here is in the file's source; whether it is readable depends on the look.

ValueNow
ltc-policy-peg.policy_number EH-LTC-7730418-P
ltc-policy-ray.policy_number EH-LTC-7730418-R
ltc-policy-peg.annual_premium 2916

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

Planted

someone_elses Peg and Ray each have one of nearly everything, an IRA statement included. Both take atorvastatin, at different doses. Only Peg's health care power of attorney is scanned. "My" means Peg's.

only_in_file The facts kept in one file and nowhere else. The long-term care daily benefit ($272.27) is only on the schedule. The life policy's cash value is only on its statement. The cabin's wind deductible ($7,700) and its theft and tree limits are only on its declarations. The house policy's jewelry sublimit, water backup limit and the rule about leaving the house empty in winter (condition 6.4, on page 5 of 8) are only in the policy. Ray's LDL of 68 is only on the lab sheet. Adjusted gross income for 2025 ($116,640) and for 2024 ($109,870) is only in each year's summary. The truck's title number is only on the title (that there is no lien also follows from the purchase receipt's "no loan"). The value of Peg's IRA is only on its statement. The septic system's design and the county's three-year pumping rule are only on the permit.

attachments.yaml 
record: ltc-policy-peg
template: document
style: statement
org:
  name: Elmhaven Assurance Company
  lines:
  - One Elmhaven Plaza
  - Des Moines, IA 50309
  phone: '8555550163'
  web: elmhaven.example
  color: '#2d4f3c'
title: Long-Term Care Insurance - Policy Schedule
body: '**Policy number:** {{ltc-policy-peg.policy_number}}


  **Insured:** Margaret A. Ostrander


  **Policy date:** June 12, 2012 (issue age 57)


  **Schedule as of:** June 12, 2026


  | Benefit | Amount |

  |---|---|

  | Daily benefit at issue | $180.00 |

  | Inflation protection | 3% compound, each policy anniversary |

  | Daily benefit from June 12, 2026 | $272.27 |

  | Benefit period | 4 years |

  | Lifetime maximum from June 12, 2026 | $397,514.20 |

  | Elimination period | 90 days of care, met once in a lifetime |

  | Care at home | 100% of the daily benefit |

  | Assisted living and nursing home | 100% of the daily benefit |

  | Waiver of premium | from the end of the elimination period |


  ## Shared care rider


  This policy is linked to policy {{ltc-policy-ray.policy_number}} (Raymond C. Ostrander). When one insured
  has

  used the whole lifetime maximum, benefits may be drawn from the other''s, and a survivor keeps what
  the other

  has not used.


  ## When benefits begin


  A licensed health care practitioner certifies that the insured needs substantial help with at least
  two of

  six activities of daily living for 90 days or more, or needs supervision because of severe cognitive
  impairment.


  ## Premium


  | Item | Amount |

  |---|---|

  | Annual premium, due each June 12 | {{ltc-policy-peg.annual_premium|money}} |

  | Premium before the increase of June 12, 2021 | $2,388.00 |


  Premiums are not guaranteed and may be changed for all policies of this class.

  '