Good news, this benefit is already built into your policy! The Monthly Benefit Rider (MBR) makes your Home or Facility Care benefits available on a monthly basis as opposed to daily. If the cost of your care was less than your monthly benefit, that money stays in your benefit pool. If the cost is more than your monthly benefit, you or your family will need to cover the difference.

For example, if your monthly benefit was $3,000 and your care costs were $2,500 then the difference of $500 would remain in your pool of benefits. If your care cost were $3,100 for the month, then you or your family would be responsible to pay the difference of $100.