Illustration

Assuming a 41-year-old male has a basic ElderShield policy with payout of $400/mth up to 72 months (6 years). He buys MyCare with a monthly benefit of $800/mth (Plan 2) with MyCare, choosing the option of unlimited benefit payout duration with limited premium payment term (till age 67 next birthday). At the point of claim, his child is 21 years old.

Benefits	MyCare payouts
Severe Disability Benefit
1st 72 months	$400/mth ( + $400/mth basic ElderShield payout)
Subsequently	$800/mth
Rehabilitation Benefit
1st 72 months	$200/mth
Subsequently	$400/mth
Dependant Care Benefit
	$200/mth up to 36 months
Lump Sum Benefit
	$1,200 (one-time payout)
Death Benefit
While receiving Severe Disability Benefit
1st 72 months	$1,200 (one-time payout)
Subsequently	$2,400 (one-time payout)
While receiving Rehabilitation Benefit
1st 72 months	$600 (one-time payout)
Subsequently	$1,200 (one-time payout)

His total premiums =	$14,854.06 ($10,305.10 MyCare premiums, $4548.96 basic ElderShield premiums)
His benefit payout in the first 72 months for Severe Disability =	$66,000 ($28,800 basic ElderShield payout, $28,800 MyCare payout, $1,200 MyCare Lump Sum Benefit, and $7,200 MyCare Dependant Care Benefit)
From the 73rd month onwards, his benefit payout =	$800/mth for an unlimited term (Severe Disability Benefit), or $400/mth for an unlimited term (Rehabilitation Benefit)