Disclaimer: New York Life Insurance Company's individual Long-Term Care Insurance policies are issued on policy form series ILTC-5000 and INH-5000. The actual policy form numbers vary by state and are identified with the two-letter state identifier and an edition number. Examples of the state versions of the policy form numbers are for Idaho ILTC-5000 (ID) (1001) and INH-5000 (ID) (1001) and for Pennsylvania ILTC-5000 (PA) (1001) and INH-5000 (PA) (1001). The INH-5000 series forms are not available in OR, RI or VT. These policies contain some benefit eligibility restrictions, other limitations and exclusions that are common in the industry. Policy benefits are subject to daily as well as lifetime maximum benefits. Benefit eligibility is contingent on a chronic illness certification and a written plan of care. The provider must be an eligible provider for the long-term care and services being provided. The policy may not cover all expenses for long-term care needs. It is advisable to review the outline of coverage and the issued policy for specific details. These policies are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.

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