Non-licensed/Non-certified Provider Benefit

Non-licensed/non-certified provider benefit is a home care benefit provided by non-licensed or non-certified caregivers which is not arranged nor provided and supervised by a licensed and/or certified home care agency. A variety of tasks and services may be performed according to a plan of care developed by a licensed health care professional according to applicable laws and/or regulations.

Benefit payments are not available for immediate family members or persons who normally live in the policyholder's household. This coverage is only permitted in the Total Asset 100 and the Dollar for Dollar 100 policies, and the insurer is not required to offer the coverage.