American Nuclear Society
Hospital Income and Short Term Recovery Insurance FAQs
 

What benefits would I collect?

How does this plan work?

When does my protection end?

Will acceptance into this plan always be guaranteed?

Do I have to meet with an insurance agent?

Who can sign up?

How soon can my protection start?

What if I have second thoughts after I enroll?

What benefits would I collect?
The plan would pay cash benefits for your hospitalization for a covered sickness or injury and your recovery afterward:
  1. Hospital Benefit: You'd collect $750 when you're admitted to a Hospital as an Inpatient for at least one day, regardless of whether you need home recovery care later. If your hospital stay exceeds 14 days, you'd get an additional $500. After 30 days in the Hospital, you'd collect another $200.
  2. Home Recovery Care Benefits: You'd collect $200 a day for each day you incur a covered home health care expense. Benefits are paid to you or anyone you choose for benefit periods, up to 40 days* per Accrual Year. (Maximum of 20 days per occurrence.)
That's up to a total of $8,000* per year, for the home recovery care you need. Plus, your Hospital Benefit is unlimited in the number of times you can collect it as long as your Periods of Confinement are unrelated and separated by more than 90 days.

Conditions for which you've received medical care or treatment in the 6 months before your effective date will be covered after you've been in the plan for 6 months; or when you've gone 6 months without treatment for the condition, whichever is sooner.

* At age 80, Home Recovery Care Benefits reduce to 20 days per Accrual Year and an annual maximum of $4,000 (one benefit period).
How does this plan work?
The Short Term Recovery Plan pays you or any one you choose cash benefits once you're admitted to the Hospital as an Inpatient.

This plan also helps pay benefits that can be applied toward home health care expenses when you're recovering at home after the hospital stay. You'd receive benefits for physical, speech and occupational therapy. Nursing services by a Registered Nurse (RN) and Licensed Practical Nurse (LPN) are also covered.

In some cases, you may need personal care after your hospital stay as well. The Short Term Recovery Plan can help to pay when a Home Health Aide comes to assist you with items such as bathing and getting dressed. It can even help cover homemaker services if you need someone to help with your laundry, shopping, cleaning and cooking.
When does my protection end?
You can keep the Short Term Recovery Plan as long as you want. Your coverage won't end due to age. At age 80, home health benefits reduce from a $8,000.00 per year maximum to a $4,000 per year maximum. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an association member to keep your protection. A member's spouseís coverage ends when the member's does, the Master Policy terminates, and when premiums are not paid. Your spouse can not be legally separated or divorced from you.
Will acceptance into this plan always be guaranteed?
We're hopeful it will be. However, it's unclear at this point whether underwriting will be necessary in the future for you to qualify.

This means now is the perfect time to get in on the plan, when you canít be turned down for any reason (subject to the Pre-existing Conditions Limitation).
Do I have to meet with an insurance agent?
Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please click the Contacts section for the toll-free number.
Who can sign up?
All members, over age 65 and their spouse, are guaranteed acceptance into this plan. Insurance benefits payable are subject to your policy's Pre-Existing Conditions limitation. All active members who are age 65 or over who are enrolled in Medicare.
How soon can my protection start?
Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment.
What if I have second thoughts after I enroll?
You will have 30 days from the date of receipt to review the insurance Certificate. If you are not satisfied with the terms of the Certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

SRP-1151 A (HLA) (5476)
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