1880 Garwood Dr.

Clarksville, TN. 37040

P. O. Box 440

Springfield, TN. 37172

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Phone: 931-648-9463 

TOLL FREE: 

1-888-589-4758 

After providing proof of loss, you can receive benefits for covered care if you have satisfied your policy's elimination period and :

• You are certified unable to perform two of six Activities of Daily Living (ADLs) without substantial assistance, and substantial assistance is expected to be required for at least 90 continuous days; or
• You require substantial supervision due to a severe cognitive impairment.  A severe congnitive impairment is the deterioration or loss of your intellectual capacity.

Note:  ADLs include bathing, eating, dressing, toileting, continence, and transferring.

Exclusions and limitations.

No benefits will be paid for any confinement, care, treatment, or service(s):

• for alcoholism or drug addiction.
• that result from participating in a felony, a riot or an insurrection.
• for which benefits are provided under any state or federal worker's compensation law, or any motor vehicle no-fault law.
• that result from an act of war, whether declared or not.
• that result from your intentionally self-inflicted injury.
• provided outside the fifty United States, the District of Columbia, or Canada, except as described in the International Coverage Benefit Endorsement.
• provided to you by an Immediate Family Member or someone living in your Home, unless pre-approved by us.
• for which youhave no financial liability or that are provided at no charge in the absence of insurance.
• provided in a government facility (unless otherwise required by law).
• that are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount.

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