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Method and Apparatus Pertaining to Facilitating Administration of a Fixed Annuity Having a Long-Term Care Rider
Method and Apparatus Pertaining to Facilitating Administration of a Fixed Annuity Having a Long-Term Care Rider
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机译：有关促进具有长期护理附加费的固定年金管理的方法和设备
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摘要
Administering a fixed annuity having a long-term care (LTC) rider includes calculating, at a time of an insured party entering a claim period for LTC benefits and as a function of a value of a fixed annuity for an annuitant, an available insurance amount for an LTC benefit. This fixed-annuity value can comprise a present value of the fixed annuity at the time the insured party enters the claim period. These teachings will also accommodate calculating the total LTC benefits by summing the value of the fixed annuity with the value of the fixed annuity as multiplied by a multiplier. LTC benefits can be paid by apportioning a first part of the payment against the fixed annuity itself while apportioning a second part of the payment against an available insurance amount. Following depletion of the annuity, however, one can then apportion such payments only against the available insurance amount until exhausted.
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