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Benefits are generally stated in a dollar amount per day. The typical policy states that it will pay the usual and customary rate for care up to a maximum amount per day. You may choose the amount of coverage, usually $40 to $200 per day. Most policies provide a smaller benefit for custodial care and home health care, normally one half of the benefit for skilled care. Much of the care in nursing homes is of the custodial type.

State Continuation Coverage. A program similar to COBRA, but for small employers. In USA, if you are in a fully insured group health plan or a state or local governmental plan with 2 to 19 employees, you also have rights to continue your health coverage for up to 12 months when your job ends.



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