Facility and Home Care Plan

You are on: Benefits

With the Facility and Home Care Plan from RBC Insurance^®, you'll have valuable coverage to help pay for facility or home care expenses that are not covered by your provincial health insurance plan. For example, some of the expenses covered under home care include:

• Nursing services and therapists (occupational, speech or physical)
• Assistance with exercise, self-administered medications or home management services
• Respite care, adult day care

• How much does your province pay toward long-term care?

The plan offers the following key benefits:

• Coverage for professional care in either a private facility or at home, depending on your needs
• Your choice of a daily benefit amount ranging from $10 to $300
• Your choice of the maximum period during which benefits may be payable
• Direct payment of benefits to you, so you can choose how to use them
• If you pay premiums beyond the end of a specified number of years, then stop payments, your policy won’t terminate, but will become a full paid-up policy, providing a reduced benefit for facility care⁽¹⁾
• Waiver of Premium Benefit, which means you pay no premiums at all while you’re collecting long-term care benefits
• A guarantee that your premium will not increase for 5 years⁽²⁾

You may also choose from a range of optional benefits.

Please note: You must purchase Facility Care coverage in order to purchase Home Care coverage.

The information above is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.

For more information:

• Long-Term Care Insurance FAQs

You are on: Optional Benefits

Optional Coverage for Even More Protection

With the Facility and Home Care Plan, you can also purchase this additional coverage:

• Return of Premium (ROP): If you die while your policy is in force, RBC Insurance will return all premiums paid, provided the ROP rider has been in force for at least 5 years and no claim for facility care benefits has been made.
• Cost of Living Adjustment Benefit: While you are receiving long-term care benefits for 12 consecutive months, we will adjust your daily benefits annually in line with the Consumer Price Index, to a maximum of 4% per year.
• Future Purchase Option: You may buy additional long-term care coverage on specified dates, up to a maximum amount, without providing medical evidence of your health.

The information above is intended as a summary only. Your policy will contain complete details on rider and optional coverage terms and conditions, including benefits and exclusions.

You are on: Eligibility

Eligibility Requirements

You are eligible to apply for long-term facility and home care insurance from RBC Insurance if you:

• Are between the ages of 30 and 75, and
• Are a Canadian citizen or permanent resident/landed immigrant who has been in Canada for more than 12 months, and
• Have not been diagnosed with, or have been treated for certain medical conditions

In addition, depending on your age and other factors, you may need to complete a telephone or face-to-face interview and provide certain documentation from your physician.

RBC Insurance reserves the right to order additional requirements on any application when deemed necessary.

Coverage for Your Spouse or Parents

We offer a 10% savings on the long-term care insurance premium (including the policy fee and any riders attached to the policy) if you insure two or more people living at the same residence. (To qualify for the savings, both people must apply for coverage at the same time.)

You are on: What's Covered

Covered Conditions

The Facility Care benefit is payable when health or personal care services are required on a long-term basis in an approved long-term care facility, as recommended by a physician.

The Home Care benefit reimburses expenses you incur for medically necessary long-term care services in your home or another private residence, as recommended by a physician and provided by a licensed nurse, an authorized employee of a home care agency, or a private caregiver. RBC Insurance defines “private caregiver” as a non-family member whom you hire to provide care services for you. This could be a friend, neighbour or someone else you trust.

Your qualification for benefits depends on the following:

1. You must meet the plan requirements for eligibility, including having the policy in force and satisfying the elimination period (see below).
   AND
2. A physician must provide certification that you require extended care in a facility or at home because of either:
   • Inability to perform two or more specified activities of daily living as defined in the policy
     OR
   • Cognitive impairment, which involves memory loss or difficulties with problem-solving due to illnesses such as Alzheimer or Parkinson disease.

Summary of Exclusions*

Conditions caused by the following are excluded:

• Self-inflicted injury
• War
• Alcoholism or chemical dependency
• Nervous or mental disorders without organic cause
• Engagement in illegal activities

*The information above is intended as a summary only. Your policy will contain complete details on terms and conditions, including benefits and exclusions.

Elimination Period

Also known as the waiting period, the elimination period is the number of calendar days which must pass under care before the benefits are payable. Depending on the coverage you select and the type of care you choose, your elimination period will be either 0 or 90 days for Facility Care, and either 60 or 90 days for Home Care.

Your elimination period begins the day you begin living in a long-term care facility or begin receiving home care services. The elimination period does not include any time spent on a waiting list for services or placement in a facility.

You are on: Premiums

About Your Premiums

Your premium will depend on your age, health and options that you choose, including the daily benefit amount, the elimination period, maximum benefits period and more. Premiums are payable for 20 years or until you reach age 65, whichever period is longer.

Note: The limited premium payment period does not apply to the Future Purchase Option Benefit, for which premiums are payable until the full option amount is exercised.

No premium increases for 5 years

RBC Insurance guarantees that your premium will not increase for 5 years. After 5 years, premiums can increase, but the accumulated increase over the lifetime of the policy can never be more than 50% of the original premium.

Pay no premiums while you’re collecting benefits

Your long-term care insurance includes a Waiver of Premium Benefit. That means you pay no premiums at all while you’re collecting long-term care benefits.