UNL Caregiver Shield


The Caregiver Dilemma

48 Million

Number of individuals who provide unpaid care to an adult family member or friend.1


Typical amount of out-of-pocket expenses incurred by a family caregiver per year.2


On average family caregivers spend 26% of their income on caregiver activities.1


The percentage of Americans who would prefer to pass away at home, if possible.3

What Is It?

The Caregiver Shield is a new policy to help with costs associated with providing care during a terminal illness.

How It Works

  • A Terminal Illness Benefit is provided up to $300 per day and a maximum of $30,000.
  • A $150 per day Home Health Care Benefit is provided up to a maximum benefit period of 360 days.
  • A $40 per day Short-Term Home Health Care Aide Benefit is provided up to a maximum of 60 days.
  • Rider options are available to cover hospitalization, ambulance transportation, critical accidents, and outpatient surgeries. There’s even a return of premium rider available.
  • All benefits are paid directly to the policyholder or an assignee of their choice.

Meet Brian*

Brian is 60 years old and has been diagnosed with a terminal illness and a prognosis of less than 6 months to live.

Brian needs a caregiver but his family members are unable to provide support due to loss of income. Luckily, Brian has the Caregiver Shield from UNL.

Brian is enrolled in UNL’s Caregiver Shield Option B, which will provide up to $20,000 on Part 1 directly to him or his caregiver of choice. Brian also cannot perform 2 out of his 6 activities of daily living, so he is eligible to receive up to $50,000 in home health care benefits on Part 2.

Call our customer service department at (800) 207-8050 for more information.