Benefits Information

The different benefits are described below. More information is in a document called the Settlement Agreement. Please call 1-866-308-7610 if you have any questions about these benefits. Sample policy riders that provide descriptions of the benefits along with sample illustrations showing how they work are available below or by calling the toll-free number.

1. Enhanced Contingent Nonforfeiture Benefit: If you select this benefit, you will keep your Policy and have an Enhanced Contingent Nonforfeiture Benefit added at no cost. "Contingent nonforfeiture" means that if, after the settlement becomes final, CNA increases premiums beyond a specific percentage, you can choose to either reduce your benefits, or stop paying premiums and keep a reduced level of coverage. If you choose to stop paying premiums at this point, you would maintain coverage valued at 110% of the premiums paid. This means CNA would process your claims under the terms of your Policy, except that the total amount of benefit you could receive would be limited to 110% of premiums paid. If you select this benefit, you may also choose to receive a Life Line Screening.  Click here to see a sample Enhanced Contingent Nonforfeiture Benefit policy rider.  Click here to see sample Enhanced Contingent Nonforfeiture Benefit illustrations.

2. Tax-Qualified Policy Replacement: If you own a policy form numbered P1-18215, P1-18876, P0-18876, P1-21295, P1-21300, P1-21305, P0-21295, P0-21300, or P0-21305 (find your policy form number in the letter with this notice), you may replace your Policy for a Tax-Qualified Policy form approved for use in your State which is the most similar in terms to your Policy form. Policy provisions will differ and for certain policyholders, premium rates may be lower than under your current policies. CNA will decide which Tax-Qualified Policy form is most similar in terms to your Policy form. If you select this benefit, you will receive a quote for the Tax-Qualified Policy after the settlement becomes final. You will then have 30 days to decide whether you want to keep the Tax-Qualified Policy. If you decide you do not want to, you will keep your current Policy and have an Enhanced Contingent Nonforfeiture Benefit added to the Policy at no cost. If you select this benefit, you may also choose to receive a Life Line Screening.  Click here to obtain information concerning some of the potential differences between a Tax Qualified and a Non-Tax Qualified Policy. 

3. Restored Policy Benefit: If you select this benefit, you may choose to restore your past Policy benefits if you pass CNA's medical underwriting review. You will not be charged for this review, and you will not have to pay any past premiums owed for this restored Policy. You will have to pay the increased premiums for the restored Policy beginning on the date you pass the review. If you do not pass the review, you will keep your current Policy and have an Enhanced Contingent Nonforfeiture Benefit added to your Policy at no cost. Please note that you cannot restore an inflation rider. If you select this benefit, you may also choose to receive a Life Line Screening.

4. Reduced Paid Up Benefit: You may give up your current Policy but retain a reduced level of coverage. The reduced coverage you would maintain would be valued at 30% of the premiums you have paid at the time the settlement becomes final. This means that CNA would process your claims under the terms of your Policy, except the total amount of benefit you could receive would be limited to 30% of premiums paid. This benefit is not available if you own a policy form numbered P0-N0023, P0-N0027, P1-N0023, P1-N0027, P1-N0031, or P1-N0035 because these policies already include a similar benefit. If you choose this benefit, then you are not eligible to receive a Life Line Screening.  Click here to see a sample Reduced Paid Up Benefit policy rider.  Click here to see sample Reduced Paid Up Benefit illustrations.

5. Lapsed Policy Paid Up Benefit: If you already lapsed or cancelled your policy due to a premium rate increase, you can choose to have your Policy partially restored with no further premiums required. However, the coverage you would maintain would be limited to 100% of the premiums you paid. This means that CNA would process claims you might have under the terms of your lapsed Policy, except the total amount of benefit you could receive would be limited to 100% of premiums you paid.  Click here to see a sample Paid Up Benefit policy rider.

6. Life Line Screening: If you are eligible for, and choose, options (1), (2), or (3) above, then you may also opt to receive Life Line Screening’s Vascular Package, subject to Life Line's guidelines. This package includes Stroke Screening, Abdominal Aortic Aneurysm Screening, and Peripheral Arterial Disease Screening which is described in more detail at www.lifelinescreening.com. You will have one year to complete the screening.

Main  Final Approval Order  Detailed Notice  Benefits Information
Settlement Agreement  Amended Stipulation of Settlement  Preliminary Approval Order  Release  Amended Release

Order Regarding Class Definition and Class Member Correspondence

If you have questions, please call the Long Term Care Customer Service Center at 1-800-775-1541.

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