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PRUDENTIAL’S GROUP INSURANCE

Get Peak Protection for You and Your Family

Prudential Long Term CareSM Insurance

The Prudential Insurance Company of AmericaIFS-A114564 Ed. 0206 100612 0206

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What is Long Term Care?

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Why is Long Term Care insurance advisable?

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Annual costs can be significant.

Prudential Financial Long Term Care Cost Survey, August 2008

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What if you saved the premium dollars?

Funds available from LTC Insurance with Auto Inflation, 5% compounded interest

Funds available from saving premium equivalent dollars at 4% after taxesFor illustration purposes only: 45-Year Old, $100 Daily Benefit Maximum, 50% Home and Community-Based Care Benefit, 90-Day Elimination Period, Five-Year Lifetime Maximum Benefit. Available funds may vary based on benefit selections and claim payments.

$0

$100,000

$200,000

$300,000

$400,000

$500,000

Year 3 Year 5 Year 10 Year 15 Year 20 Year 25 Year 30

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Get financial support.

Helps you maintain financial independence and preserve assets.

Allows you to choose who provides your careand where you receive it.

Helps provide better care/life balance during a difficult period.

Prudential Long Term Care Insurance

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What kind of coverage can you get?

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You select your coverage amount…

Daily Benefit Maximum (DBM)Nursing home care & assisted living facility

$100 $150 $200 $250 $300 $350

Home and Community-Based Care Daily Benefit Maximum (75% of the DBM you selected)

$75 $113 $150 $188 $225 $263

Lifetime Benefit Maximum*

3-year

5-year

10-year

$109,500

$182,500

$365,000

$164,250

$273,750

$547,500

$219,000

$365,000

730,000

$273,750

$456,250

$912,500

$328,500

$547,500

$1,095,000

$383,250

$638,750

$1,277,500

Your “Pool of Money”

* An unlimited lifetime maximum is also available

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…and protection against inflation.

Standard Periodic Inflation Protection

OptionalAutomatic Inflation Protection

Benefit Benefit

Age (years)

Dol

lars

Dol

lars

Rates may only be increased on a rate-class basis.

Age (years)

40 67

Premium

40 67

Premium

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Why should you buy it now?

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Buying earlier means lower premiums.

This illustration assumes five years of coverage with a $100 a day Nursing Home Benefit, $60 a day Home Care Benefit, 90-day Elimination Period, and Periodic Inflation Protection.

Subject to any rate guarantee that might apply, Prudential has the right to change premium rates in the future, but only on a class basis.

$0

$200

$400

$600

$800

$1,000

$1,200

Age 35 Age 45 Age 55 Age 65

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Buying later increases total premium.

Age at EnrollmentMonthly

Premium RateAnnual Premium

Total Paid Premium at Age 80

30 $10.15 $121.80 $6,090.00

40 $16.71 $200.52 $8,020.80

50 $29.42 $353.04 $10,591.20

60 $63.16 $757.92 $15,158.40

This illustration assumes five years of coverage with a $100 a day Nursing Home Benefit, $75 a day Home Care Benefit, 90-day Elimination Period, and Periodic Inflation Protection.

Prudential has the right to change premiums at any time after the rate guarantee expires, but only on a rate-class basis. Consult your accountant or tax consultant regarding potential tax advantages.

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Advantages of buying it at work…

It’s economical.

It’s portable.

It’s easy.

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For more Information, visit:

www.prudential.com/gltc

Group Name: dukeltc

Password: enrollment

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Some limitations and exclusions apply.

Work-Connected Conditions Charge

Government Plan Charge

Self-Inflicted Injury or Suicide Exclusion

Services and Supplies Outside U.S. Exclusion

Treatment for Chronic Alcoholism or Chemical Dependency Exclusion

War, Felony, Riot, or Insurrection Exclusion

An Outline of Coverage, with complete plan information, including limitations and exclusions, will be provided.

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Prudential Long Term CareSM Insurance is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102 [(800) 732-0416].

This coverage contains benefits, exclusions, limitations, eligibility requirements, and specific terms and provisions under which the insurance coverage may be continued in force or discontinued. The Prudential Insurance Company of America is authorized to conduct business in all U.S. states and the District of Columbia. All insurance policies/options may not be available in your state. Coverage is issued under Contract Series 83500.

This is a solicitation for Long Term Care insurance.

Nothing in this presentation is intended to guarantee eligibility for coverage or payment of any claim. Actual coverage is subject to the terms and conditions, including limitations and exclusions, set forth in the actual insurance agreement.

Prudential and the Rock logo are registered service marks of The Prudential Insurance Company of America.

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