Universal Provident : LivingCare

Product profile

Description 

• An increasing number of people survive serious accidents and tragic conditions such as cancer, strokes and heart attacks - these often lead to long term disability, which can prevent you from performing routine daily tasks that you had always taken for granted. You could need a regular income to help finance the cost of care 

• A simple and affordable solution to provide the money you need to provide care for the rest of your life at a nursing home, or in your home or the home of a family member

For

• Those who do not need care now, but may need long term care in the future

• Age 18 to 74

Cover

• 50 % of benefit on failing to perform two activities of daily living

• 100 % of benefit on failing to perform three or more activities of daily living, or suffering mental impairment

• Care in a home or in your own home

• Activities of daily living;

  1) Feeding

  2) Mobility

  3) Dressing

  4) Personal care

Not covered

• HIV/AIDS

• Deliberate explosure to danger

• Flying except as passenger

Basis of cover

• Payments direct to you

• Payments begin on failure of two activities 

• Payments increase on failure of three or third activity or mental impairment

• Benefits continue until death or care no longer needed

• 24 month cover

• Renewable every 2 years

• Premium reviewable

• Monthly or Annual  premium

Benefits

• Annual income up to £35000

• Help with providing special equipment or home alterations

• Benefit increases each year on an index-linked basis

Options

• You choose the amount

• Child cover

Last updated: 6 January 2012