1. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Planning for Long-Term Care Helping you make sense of it all

2. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Peace of Mind Freedom of Choice MetLife ® Metropolitan Life Insurance Company One Madison Avenue, New York, NY 10010

3. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD What is your current lifestyle? Family Occupation Recreation 1

4. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD What would you do if you needed long-term care services What is long-term care? The care needed when you are no longer able to care for yourself independently. Assistance needed with Activities of Daily Living (ADL’s) eating dressing bathing transferring toileting continence Substantial supervision for a severe cognitive impairment, such as Alzheimer’s Disease. 2

5. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Where are long-term care services provided? At Home In various facilities that assist people with long-term care needs; for example, assisted living facilities, residential care facilities or residential care facilities for the elderly* In community settings, such as adult day care or adult day health centers * In hospice home-care programs or facilities In nursing homes * Please review the MetLife Long-Term Care Policy for the types of facilities covered in your state. 3

6. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Types of care given in the U.S. today Personal Care (custodial care): Care provided by someone, other than a nurse, who assists with activities of daily living, in response to chronic health-care needs. Skilled Nursing Care: Care provided by an R.N. or L.P.N. on a 24- hour basis; must be ordered by a physician. 4

7. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Have you ever known someone who needed long-term care either at home or elsewhere? 5

8. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Could it happen to you? People of age 65 face at least a 40% lifetime risk of entering a nursing home 1 Average nursing home stay is 2.6 years 2 10% will stay 5 years or longer 1 (1) Health Insurance Association of America, “Guide to Long-Term Care Insurance”, 2002 (2) Conning & Company, “Long-Term Care Insurance: Baby Boom or Bust?”, 1999 6

9. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD What plans have you made for staying at home? What is the cost of care 3 Nursing Home Care can cost an average of $52,195 per year (for a semi-private room) Home Health Care can cost an average of $23,400 per year (for a Home Health Aid) In some regions, it can cost twice as much (3) Mature Market Institute, “MetLife Market Survey on Nursing Home and Home Care Costs”, 2002 7

10. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Who pays for long- term care services? 4 If you needed long-term care services, you could deplete $500,000 in retirement savings in less than 6 years 5 (4) Department of Health and Human Services, HCFA, Office of the Actuary, National Health Statistics Group, Personal Health Care Expenditures, 2001 8 (5) Based on assumptions of $50,000 per year household living expense with 3% annual inflation, $52,195 per year long-term care cost plus 5% annual inflation, and the remaining savings earn 8% per year. Although the average nursing home stay is 2.6 years, 10% will stay 5 years or longer (see page 6)

11. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Does Medicare pay? Covers only 13.7% of long-term care costs on a national basis 6 Pays 0% for custodial care (personal care) in a skilled nursing facility if that is the only kind of care you require 7 (6) Department of Health and Human Services, HCFA, Office of the Actuary, National Health Statistics Group, Personal Health Care Expenditures, 2001 (7) The National Underwriter Company, “All About Medicare”, 2002 9

12. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Does Medicaid 6 pay? Government funding only if you meet certain income and asset criteria Requires “spending down” of personal assets You may be temporarily ineligible for benefits if you transfer assets (6) In California, Medicaid is referred to as Medi-Cal 10

13. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD What other risks have you insured against? Chances are, you pay premiums to ensure that your car or belongings will be repaired or replaced if they’re damaged. Doesn’t it make sense to make a similar commitment to your own well-being by purchasing Long- Term Care Insurance? 11

14. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD Why do people purchase long-term care insurance? 8 To avoid depending on family and friends for care To help maintain options on how and where to receive care To help ensure high-quality care, at an affordable price To avoid using retirement income to pay for long-term care services (8) ACLI, “Making the Retirement Connection: The growing importance of long-term care insurance in retirement planning”, Stucki, B., March 2001 12

15. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD How long can you afford to pay for long-term care services using your retirement savings? Let MetLife help pay for the long-term care expenses you may have in the future How do people pay for long-term care services? Oftentimes, from personal assets 13

16. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD MetLife: a trusted leader in the insurance industry Financially solid Strong leadership Proud history Excellent service 14

17. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD How do I get coverage? Application Underwriting Approval Delivery 15

18. ADF#268.98(rev.0602) L02073WFO(exp0705)MLIC-LD In the District of Columbia, Idaho, Michigan, Rhode Island, West Virginia and Wyoming, coverage is offered by the following Metropolitan Life Insurance Company policies: LTC-VAL, LTC-IDEAL, LTC-PREM, LTC-FAC (LTC- FAC-MI in Michigan) In every other state, coverage is offered by the above referenced policy numbers followed by the state’s 2-letter abbreviation. Please note LTC-FAC is not available in Oregon, Rhode Island, Vermont and Georgia. Note: Like most long-term care policies, MetLife’s policies contain certain exclusions, limitations, waiting periods, reduction of benefits and terms for keeping them in force. Ask your representative about complete costs and details