This is a solicitation of insurance. Long-term care insurance is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175-0001. Policy forms LTC09M, LTC09M-AG (or state equivalent). In ID: LTC09M-ID, LTC09M-AG-ID, In NY: LTC09M-NY, LTC09M-AG-NY, In OK: LTC09M-OK, LTC09M-AG-OK, In OR: LTC09[-AG, -5ML, -10ML]-OR, In PA: LTC09M-PA, LTC09M-AG-PA, In TX: LTC09M-TX, LTC09M-AG-TX, In WA: LTC09M-WA, LTC09M-AG-WA. Coverage may vary by state. These policies have exceptions and limitations. You may be contacted by telephone by an insurance agent.
We will not pay benefits under this policy for: services provided by a Family Member; services for which
no charge would be made in the absence of insurance; services provided outside of the United States, its
its possessions or territories, Canada or the United Kingdom (except as provided in the INTERNATIONAL
BENEFIT section of this policy); services provided due to suicide (while sane or insane), attempted suicide
or an intentionally self-inflicted injury; treatment of alcoholism or drug addiction (except for an addiction
to a prescription medication when administered in accordance with the advice of your Physician); treatment
of Mental or Nervous Disorders (except for Alzheimer's disease); treatment provided in a government
facility, unless we are required by law to cover the charges; treatment of an injury or sickness which would
entitle you to benefits under any state or federal workers’ compensation, employer’s liability or
occupational disease law, or any motor vehicle no-fault law; services received while this policy is not in
force (except as provided in the Extension of Benefits section); or services provided due to an act of
declared or undeclared war while serving in the military or an auxiliary unit attached to a military unit.
Alzheimer's Disease and Other Organic Brain Disorders
This policy provides coverage for the treatment of Alzheimer's disease, Parkinson's disease, senile
dementia and all other forms of organic brain disease.
Non-Duplication of Benefits
We will not pay benefits under this policy to the extent that Eligible Expenses are reimbursable under
Medicare or other governmental program (except Medicaid) or would be so reimbursable, except for the
application of a deductible or coinsurance amount.
¹Oregon and Washington Residents: the term “agent” is considered “producer” in your state.