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" & [txtLabel] AS strLabel, tblReports.ysnPrint FROM tblReports WHERE (((tblReports.rptName) Is Not Null)) ORDER BY tblReports.Order;"Print All" Includes:d2Ariale24f2g1237hgh MS Sans Serifi1ghj16ghkl23:mCArialn2ArialoAArialp5r34zijArial{5`w FormHeaderd5U7`<a<bc rptName LabelrptName DetachedLabel rptName_Labeld5U7`a<b c Order LabelOrder DetachedLabel Order_Label`Detailm7]`<a<bcerptNamerptNamem7]`a<b cekOrderOrderm7`N a<bcebktxtLabelstrLabeld57`a<bctxtLabel LabelReport DetachedLabeltxtLabel_Labelj2U`a<eiysnPrintysnPrintd57`abcysnPrint LabelPrint DetachedLabelysnPrint_Label` FormFooterLVAL 4MQ8ͬqR *DetailkselCompanyiOption1d lblOption1iOption2d lblOption2ͬqR *Detailh Command0h btnCancelmCompanyd Label3mCoded Label7ͬՈqR *Detaild Label0h Command1d Label2h Command3͈ͬqR *DetailocboConsultantd cName_LabelmtxtPasswordd Label3h cmdLoginh Command5ͬňqR *DetailmHelpTexth Command3d Label4mReturnToFieldFieldNameͬqR *Detailh cmdUpdateh cmdCancelocboConsultantd cName_LabelmintUserIdd Label9ͬ uqR *DetailocboConsultantd cName_LabelmtxtPasswordd Label3h cmdLoginh Command5mtxtConfirmd Label7ͬ b.V x Detailh Command0d Label2d Label4d Label5mcurCostmintInflationh cmdCalculated Label9h  cmdPrintͬmqR *Detailh TwoInsh OneInsh Command2 0236=BabcDf,gh1i ju!kg f;@ Add Clienthgh MS Sans Serif`Detailh1U`aTwoIns Two Insured[Event Procedure]h1U`aiOneInsSingle Insured[Event Procedure]h1U`atiCommand2Cancel[Event Procedure]ͬeqR *Detaild lblVersiond Label3d lblLocationd lblExpiresmLabel5 0239=Babc8e ghXiJjk=+(@ About LTCiaArial88 hLHP LaserJet 1100?dXXL.HP LaserJet 1100ex true /Tumble2xe.Agm\ȈqK+X`1Ba"!2dv` ٹUwXw꤫Z#vd$JH) , fQ qJ̳yB,RhsdnVXpnQKRjh,Lw馾@оOSk:J_aRx4I:48bxHk0 l;#fR7WAS+J/Rd!,>@"winspoolHP LaserJet 1100LPT1:[Event Procedure]d2m45` Detaild5U7`bGcd lblVersionLTCia Model, Version d5]7`abcd Label3GWeb: http://www.LTCia.com E-mail: Service@LTCia.com (800) 360-9853d5_7`aqbc lblLocationProgram location: d5W7a$ b c lblExpiresProgram expires on m47U;C`ab cLabel5 =CopyRight()ͬ BIR *FormHeaderd rptName_LabelrptName Labeld Order_LabelOrder LabelDetailmrptNamemOrdermtxtLabeld txtLabel_LabeltxtLabel LabeljysnPrintd  ysnPrint_LabelysnPrint Label FormFooter strLabelLVALauy 9CB0 8CB0 7CB0 6CB0 5CB0 4CB0 3CB0 2CB0 1CB0 0CB0basEncodingbasLaunchAcrobasLtcbasMiscbasPingTestbasTempDbcDialog HTTPmodAutoUpdatemodMain ͬ qR *Detaild Label1h btnAccepth btnExitd lblDemoh cmdRenewͬqR *Detaild Label1h btnAccepth btnExitd lblDemo 02=Babce ghi2 j&kV*@Login[Event Procedure]Ariald2hgh MS Sans Serifm45o2`pDetailo5U`bB cpdhef,l "";"";"";"";"";"";"10";"100" cboConsultant Table/QuerywSELECT DISTINCTROW [tblConsultants].[id], [tblConsultants].[cName], [tblConsultants].[cPassCode] FROM [tblConsultants];0;2370;0[Event Procedure]d5U`hahbcd cName_LabelSelect Consultant:m7U`pa bc,i k txtPasswordPasswordd5U`ha bcd Label3 New Password:h1U`aTicmdLoginChange Password[Event Procedure]h1U`aTiCommand5Exit[Event Procedure]m7W`pabc,i k txtConfirmPasswordd5]`habcd Label7Reenter Password: 06=Babc!f,g h-ijz+k7#>,@Future Cost of Care[Event Procedure]d2hgh MS Sans Serifm45`jDetailh1U`ab@c@iCommand0Command0[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭHClose Calculatorm07U`aWbchi curCost$#,##0.00;($#,##0.00)d5U`ZaWbcYd Label2Current Daily Cost:m7U`VaWbXchi k intInflationd5U`> aWbcYd Label4Inflation rate:d5U`&aWbhcYd Label5%h1U`Pab@c@i cmdCalculatecmdCalc[Event Procedure](p xp臀px   HPreviewd5U`xa<bcd Label9oCalculates future care cost based on current cost and compound inflation rate, and provides a printable report.h1U`ab@c@icmdPrintcmdCalc[Event Procedure](ڭ Ј  w   ڭڭHPrintLVAL 0 .5rU X$`T$A`X $`\ (``0I&nrU P$` $A` $`  nrU X$`0 n22! ^wMeWhite()^cfrmPOMcalc0-1322! StartUp()026=BCabc f,hTi j)k 莜pr@ tblCustomerd2m45`$ Detailm57U`Uaxb0c,i PhonePhone!\(999") "000\-0000;;_d5U`Yaxbcd e Phone LabelPhone Phone_Labelm57U`Uab0c,i kFaxFax!\(999") "000\-0000;;_d5U`Yab cd e Fax LabelFax Fax_Labelm57U`Uab c,i keMaileMaild5U`Yabcd e eMail LabeleMail eMail_Labelm57`Uab@ c,i kaddr1addr1d5]`Yab cd eLabel118Address:m57U`Uab@ c,i kaddr2addr2ͬ9qR *DetailmaNamed Label0maSSNd Label1mScenariod Label2mcNamed Label3 SingleInsured bSSN aLast bLast aFirstbFirstaMiddlebMiddleaddr1addr2aBornbBornaHealthbHealthPhoneFaxeMailBenyrsCareYrsCareStartCareEndCareForMaleSurviveYrs CareCost!Inflation"InflationYears#DedPeriod$DailyBen%BenIncrease&BenIncreaseFactor'aAnnPrem(aManPrem)bAnnPrem*bManPrem+PremTaxFactor,AssetLiqCost-CareCostFactor.InvReturn/SurvivorBen0Consultant1Demo2YrsPrem3AgePrem4PremIncrease5PremIncreaseYear6SpecialPremiumOpt7Indemnity8DualWaiverͬ)IR *FormHeaderd Label13d Label14d Label15d Label16d Label17d Label18d Label19d Label20 Detailm Advisorm clAddrm clCszm clPhonemclEmailmclFaxmcCompanymcCredentialsmcNameCodemcCompanyCodeFormFooteridcNamecPassCode026=Babc5f,ghTi<j7kau@tblConsultants[Event Procedure][Event Procedure][Event Procedure][Event Procedure]d2m45`W FormHeaderd15U`abcHd eLabel13 Consultantd15U`&abcHd eLabel14Professional Designationsd15U`/ bTcHd eLabel15Companyd15U`bCcHd eLabel16Addressd15U`bCcHd eLabel17City/State/Zipd15U`$bcHd eLabel18Phoned15U`?*bcHd eLabel19Faxd15U`/bcHd eLabel20E-Mail`Detail m7]beTfAdvisorcName[Event Procedure]m7]`befkclAddrclAddrm7U` b4efkclCszclCszm7U`$efkclPhoneclPhone!\(999") "000\-0000;;_m7U`*0efk clEmailclEmailm7U`l*efkclFaxclFax!\(999") "000\-0000;;_m7U` befkcCompanycCompany[Event Procedure]m7]`&epfk cCredentials cCredentialsm7`bk cNameCode cNameCodem7`bk cCompanyCode cCompanyCode` FormFooter\LVALu:p06=Babf,ghXiJjQ'kg@SELECT tblCustomer.*, tblConsultants.cName FROM tblCustomer LEFT JOIN tblConsultants ON tblCustomer.Consultant = tblConsultants.id ORDER BY tblConsultants.cName, tblCustomer.aLast, tblCustomer.aFirst, tblCustomer.aMiddle, tblCustomer.Scenario;d2m45`@ Detailm7U`e faName,=[aLast]+", "+nz([afirst])+" "+nz([amiddle])[Event Procedure]d5UbcLabel0Name:m7U`a,fkaSSNaSSN[Event Procedure]d5Ua,bfcLabel1 Client ID #:m7U`aefkScenarioScenario[Event Procedure]d5UabcLabel2 Scenario:m7U`a8e fkcNamecName[Event Procedure]d5Ua8bfcLabel3 Consultant:ͬ6X?R *FormHeaderd lblHowDetailmAdvisormclAddrmclCszmclPhonemclEmailmclFaxm cCompanym cCredentialsm idd  Label13d  Label14d Label15d Label16d Label17d Label18d Label19d Label20mcNameCodemcCompanyCodemdtmExpiresd Label33h cmdRenewmcNameFormFooterh Command22d Label23cPassCodemText39 06=BCabcf,g)h ij(k[Event Procedure]u@tblConsultantsConsultant Information[Event Procedure][Event Procedure][Event Procedure][Event Procedure][Event Procedure][Event Procedure]d2hgh MS Sans Serifm45`P  FormHeaderd5U`xa<bc lblHow{Before using the model, you must enter consultant information. This information will be printed at the bottom of your client's reports. When you are finished entering the information, press the Finished button at the bottom of this screen. You may change consultant credentials and contact information at any time from the configuration screen after you are in the model. Arial`xDetailm7U`abH eTfkAdvisor[Event Procedure][Event Procedure]m7U`a&befkclAddrclAddrEnableMem7U`ab4efkclCszclCszEnableMem7U;`a efkclPhoneclPhone!\(999") "000\-0000;;_EnableMem7U`a efk clEmailclEmailEnableMem7U;`a^ efk clFaxclFax!\(999") "000\-0000;;_EnableMem7U`abH efkcCompanycCompany[Event Procedure]EnableMem7U`aWepfk cCredentials cCredentialsEnableMem7Ubcididd5U`iabcd eLabel13 Consultantd5U`iaWbcd eLabel14Professional Designations:d5U`iabTcd eLabel15Companyd5U`ia&bDcd eLabel16Addressd5U`iabDcd eLabel17City/State/Zipd5U`ia bcd eLabel18Phoned5U`ia^ bcd eLabel19Faxd5U`ia bcd eLabel20E-Mailm7U`-a bk cNameCode cNameCodem7U`-a1 bk cCompanyCode cCompanyCodem 7W`ab)k dtmExpires Short Date[Event Procedure]d5]`iab4cd eLabel33Program Expires:h 1U`a<b(i cmdRenewRenew[Event Procedure]m7U`abXk cNamecName` FormFooterh1U`a<b@c@ Command22 Command22[Event Procedure]4(ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formd5U`a|bcLabel23Finishedm7U` axkText39idLVALT$% 026=BCabc2f,g#h@ ij=k*![Event Procedure] (Consultant=1) Or (Consultant=2).{@VSELECT tblCustomer.* FROM tblCustomer ORDER BY tblCustomer.aSSN, tblCustomer.Scenario; Data Input[Event Procedure][Event Procedure]8.\h4Lexmark Z31 Series ColorFine` odXXLetter 8 1/2 x 11 in  Lexmark Z31 Series ColorFineLPT1:LPT1:.winspoolLexmark Z31 Series ColorFineLPT1:[Event Procedure][Event Procedure]d2e12f5g237hgh MS Sans Serifi1ghj1ghk1l23:m4n2o2p5r35zij MS Sans Serif{5` FormHeader2` PageHeader`FDetail{1Ub2cFe TabCtl153|12PaJb 2cu&Personal DataCtl_Personal_Data'm7`8abc,i aSSNaSSN000\-00\-0000;;_d5`,abce aSSN LabelID # aSSN_Labelo05`ab@ cdf,l naHealthaHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296[Event Procedure]$=DLookUp("HealthRating","tblOption")d5` abce Health:_LabelHealth: Health__Labelm7`8abc,i kaLastaLast[Event Procedure]d5`,abcd e aLast LabelName aLast_Labelm7` abc,i kaFirstaFirstm7`vab c,i kaMiddleaMiddlem7`apbtc,i kaBornaBorn!Between #1/1/1875# And #1/1/2040#Invalid date entered.[Event Procedure][Event Procedure]d5`apbcd eLabel66 Birthdate:m57;` apbXci jkaAge[Event Procedure][Event Procedure]d57` apb:cd eLabel79Age:m7`"abc,i kbSSNbSSN000\-00\-0000;;_d5`abce bSSN LabelID # bSSN_Labelo05`ab@ c$d f,l nbHealthbHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296[Event Procedure]$=DLookUp("HealthRating","tblOption")d5` "a bceLabel72Health:m7`"abc,i kbLastbLastd5`abcd e bLast LabelName bLast_Labelm7`"abc,i k bFirstbFirstm7``'ab c,i k bMiddlebMiddlem7`aabtc,i k bBornbBorn!Between #1/1/1875# And #1/1/2040#Invalid date entered.[Event Procedure][Event Procedure]d5`aab8cd eLabel68 Birthdate:m57;`#aabXci jkbAge[Event Procedure][Event Procedure]d57` aab:cd eLabel81Age:m7`8a b0c,i k PhonePhone!\(999") "000\-0000;;_d5`<a bcd e Phone LabelPhone Phone_Labeld5` abcd eLabel76,d5`!abcd elblComma,m7`8a/ b0c,i k FaxFax!\(999") "000\-0000;;_d5`<a/ b cd e Fax LabelFax Fax_Labelm7`8ab c,i keMaileMaild5`<abcd e eMail LabeleMail eMail_Labeld5`Ga&bceLabel109LastAriald5` abceLabel110FirstAriald5`abvceLabel111MiddleAriald5`1a&bcelblLastLastAriald5`"abcelblFirstFirstAriald5`o'abvce lblMiddleMiddleAriald5`ab&cYd eLabel116 Insured #1d5`ab cYd elblIns2 Insured #2m7`8ab@ c,i kaddr1addr1d5`<ab cd eLabel118Address:m7`8ab@LVAL& c,i kaddr2addr2j2`0a iDemoDemo"Lock entire record in demo programj2` a:i SingleInsured SingleInsuredd5` abcd eLabel140Single Insured Onlyf23_5`aJbc~ Line163f23W5a bP+Line164m057`%a bdc,i EstConsNoIns$#,##0.00;($#,##0.00)d5`ta bcd Label42!Estate Consumed Without Insurancem057`%a=bdc,i EstConsWithIns$#,##0.00;($#,##0.00)d5`ta=bcd Label45Total Consumed With Insurancem057`%abdc,i InsBenValue$#,##0.00;($#,##0.00)d5`tabcd Label47*Total Economic Value of Insurance Benefitsm057`%abdc,i InsPremCost$#,##0.00;($#,##0.00)d5`tabcd Label50)Total Economic Cost of Insurance Premiumsm057`%a*bdc,i SelfPaid=[EstConsNoIns]-[InsBenValue]$#,##0.00;($#,##0.00)d5`ta*bcd Label142Self Paid Care Costsh 01`ta bc cmdCalculate d05`sa bcd Label274Click to CalculateArial|1`Zab1c* &Care Data Ctl_Care_Datam7`a8bci CareYrsCareYrsBetween 0 And 40Must be between 0 and 40 years.[Event Procedure]5d5`Za8bcd e CareYrs Label;One spouse will need care for __ years before passing away. CareYrs_Labelm7`abci CareStart CareStartBetween 1 And 50Must be between 1 and 50[Event Procedure]16d5`Zabcd eCareStart Label@The need of care will start at the beginning of ___ policy year.CareStart_Labelk135`|abq c* CareForMale CareForMale-1d5`Zabrcd eLabel86Care will be fori2`{aOption88d5`\abtcd Label89 Insured #1i2`u!a radInsured2d5`V"abcd lblInsured2 Insured #2m7`a bci SurviveYrs SurviveYrsBetween 10 And 60 Must be between 10 and 60 years.30d5`Za bcd eSurviveYrs LabelDSurviving spouse will live for the entire plan period of ____ years.SurviveYrs_Labelm7`a bci CareCostCareCostBetween 80 And 1500Must be between $80 and $1500.180d5`Za b9cd eCareCost Label&Current cost of care is $____ per day.CareCost_Labelm7`ab bci Inflation InflationBetween 0 And 15Must be between 0% And 15%.5d5`Zab bScd eInflation Label5____% compound inflation increases the cost annually.Inflation_Labelm7`ab cCareEndCareEndBetween 13 And 40 Must be between 13 And 40 years.20d5`X abcd eLabel220Range of Valuesd5`!a8bcd eLabel221 0 to 40 yearsd5`!abcd eLabel222 1 to 50 yearsd5`!a$ bcd eLabel22310 to 60 yearsd5`!a bcd eLabel225 $80 to $1500d5`!al bcd eLabel226 0% to 15%d5`a] bcd Label227%|1`iab1c*&Insurance DataCtl_Insurance_Data)m7` abXAgePremAgePremd5`ab cd Label287until first insured reaches agem7`a<bckYrsPremYrsPrem[Event Procedure]d5`a<bhcd Label286form7`2ab c,i k txtDedPeriod DedPeriodDeductible Period<366+Deductible period must not exceed 365 days.[Event Procedure]90d5`Ra# brcd eLabel2Joint Premium or First Insuredd5`a bcd eLabel3Second Insuredo05cPd e f,l n DedPeriod DedPeriod Value List720Deductible Period =CalcPrems()90m7`2ab c,i kDailyBenDailyBenBetween 50 And 1500,Daily benefit must be between $50 and $1500.[Event Procedure] =CalcPrems()180d5`abcd eLabel167>Daily insurance benefit during the first policy year is $____.j2`daiSpecialPremiumOptSpecialPremiumOpto5`bcAdef,l n"";"";"";"";"10";"100"BenYrsBenYrs Table/QueryPSELECT DISTINCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];0;795[Event Procedure] =CalcPrems()"SELECT DISTILVAL'NCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];";"tblBenYrs";"";"BenYrs";"BenDisp";"PrimaryKey"o059`ac2dDetf,l n BenIncrease BenIncrease Value List 0;"None";1;"Simple";2;"Compound"0;720 Interest Type[Event Procedure] =CalcPrems()2d5`aDbcd eLabel1712Insurance benefits increase using _____ inflation.m7` aDb-c,i kBenIncreaseFactorBenIncreaseFactor[Event Procedure] =CalcPrems()d5`aDbcd eLabel212atk135`~ab$ c*i Indemnity Indemnity[Event Procedure] =CalcPrems()0i2`a Option268d5`f abcLabel269 Indemnityi2`2a Option266d5`abcLabel267 Reimbursementh 12R`m)a b@c@i  cmdNormal Command23[Event Procedure](   ڠ ڠ з ڠ pڠ  HReset to Normal Premiumd57`1)a bcXLabel24&Reset to Normal Premiumm057` aN bFc,i k aAnnPremaAnnPrem$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`xa] bDcd eLabel200Annual Premium:m057`al bFc,i k bAnnPrembAnnPrem$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]m057` a bFc,i k curASingle$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`ia bcd eLabel1Single Premium:m057`a bFc,i k curBSingle$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`s#aDbcd eLabel213%m057` a-bFc,i kcurAYrs$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`ia<b5cd eLabel9Limited Premium:d5`abcd eLabel173,Maximum number of years of benefits is ____.d5`%aDbcd elblBenIncrease 1% to 10%m057`a-bFc,i kcurBYrs$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`abs#cd e lblManualhThe following options require the manual entry of a premium which you must estimate or obtain elsewhere.m057` abFc,i kcurAAge$#,##0.00;($#,##0.00)[Event Procedure][Event Procedure]d5`iab5cd eLabel16Limited Premium:d5`abpcd eIndemnityCaption)Select reimbursement or indemnity policy.d5`abcd eLabel169Care Cost Tax Factors Range -50% to 50%d5`,ab"cd e lbmInvReturn5Investment Return Assumption Range 0% to 12%d5`a` b cd elbmPremIncreasePremium Increase/Decrease %o05`bpc dl f,l n LoiAllYears LoiAllYears Value List0;"to PBE";-1;"for all years"0;2160 =showMe()d5`<al b cd e%Include Premium Investment Cost_LabelInclude Premium Investment Cost%Include_Premium_Investment_Cost_Labeld5`,abcd lblLoiAllYearsiThe decision to use "All" or "PBE" to calculate the loss of investment opportunity on premium may or may not cause a significant difference in projecting total premium cost. Premium break-even (PBE) days is the point in time that insurance claim payments equal all premium paid plus loss of investment opportunity to that point in time. Some users argue that outside the realm of insurance, if the client has full return of principal (premium) plus expected return on the investment, then they are "whole" and received full value from the investment (premium). If PBE is selected, no additional investment opportunity cost is added to total premium beyond the premium break-even point. Selecting (All), means that loss of investment opportunity will be calculated and included each year for all years of the plan period, including those years after premium break-even.d5`abcd elbmLoiAllYearsInclude Premium Investment Cost|12R`ab1c*P&rogram OptioLVAL&nsP_rogram_Optionsp345`ab(cX frmOptionsForm.frmOptions2` PageFooterd5UbcdLabel7HCopyright 1998-2005 LTCi Decision Systems, Inc. All Rights Reserved. Arialm457U`<b ciText20*="Version "+DLookUp("version","tblOption")Arial`D FormFooterh 01U2C`a-bc@i Command48Exit[Event Procedure]H Close Formm 17]`aJksrchName[Event Procedure]d05]`-aJbcLabel51Name:m 17]`avksrchSSN[Event Procedure]000\-00\-0000;;_d05]`-avbfcLabel53 Client ID #:e015`axb" c@@@Box54h 01`*b cgi btnFilterSearch[Event Procedure]Arialh 01U2A`xa-bc@i Command56 Add Client[Event Procedure]H Add Recordh 01U2D`a-bc@i Command57Delete Client[Event Procedure]H Delete Recordo 5U`ac d6e8"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"10";"0" Consultant Consultant Table/QuerySELECT tblConsultants.id, [cName]+nz(", "+[cCredentials]) AS FullName, tblConsultants.cCompany, tblConsultants.clAddr, tblConsultants.clCsz, tblConsultants.clPhone, tblConsultants.clEmail, tblConsultants.clFax, * FROM tblConsultants ORDER BY [cName]+nz(", "+[cCredentials]);0;2160;0;0;0;0;0;0 Consultantd5Ua6bcLabel65 Consultant:o 15`ac dejn"";"";"";"";"10";"100"srchConsultant Table/QueryMSELECT tblConsultants.*, * FROM tblConsultants ORDER BY tblConsultants.cName;0;1440 Consultant[Event Procedure]d05`-abclblSrchConsultant Consultant::h 01U`l abcg ibtnSetupConsultant Setup[Event Procedure] Arial NarrowHh 01U`X a-bi cmdPrintAllPrint Report Group[Event Procedure]h 01U`abi btnRegisterRegister[Event Procedure]m457U;C`$ abci k ScenarioScenario"A"d5U`abdcd lblScenarioPlan Scenario:h 01U`<ab cXi cmdScenarioAdd Scenario[Event Procedure]#Create new scenario for this clientm457U;C`abck Text125m="LTC Economic Impact Planning Model, Patent Pending. Version "+DLookUp("version","tblOption")+VerType()Arialh 01U`&a-bi btnPreviewPreview/Select[Event Procedure]h 01U`&abiExpCExport[Event Procedure]h 01U`X abicmdQuick Quick Entry[Event Procedure]h 01U`a-b c\g i cmdPickList Client List[Event Procedure]Arialh1U`8abcicmdAbout About LTCia[Event Procedure]LVALT$+ͬqR *FormHeaderPageHeaderDetailh Command48msrchNamed Label51msrchSSNd Label53eBox54h  btnFilterh  Command56h  Command57o Consultantd  Label65osrchConsultantd lblSrchConsultanth btnSetuph cmdPrintAllh btnRegistermScenariod lblScenarioh cmdScenariomText125h btnPreviewh ExpC{ TabCtl153|!Ctl_Personal_Data&Personal DatamaSSNd aSSN_LabelaSSN LabeloaHealthd Health__LabelHealth:_LabelmaLastd  aLast_LabelaLast Labelm!aFirstm"aMiddlem#aBornd $Label66m%aAged &Label79m'bSSNd (bSSN_LabelbSSN Labelo)bHealthd *Label72m+bLastd ,bLast_LabelbLast Labelm-bFirstm.bMiddlem/bBornd 0Label68m1bAged 2Label81m3Phoned 4Phone_LabelPhone Labeld 5Label76d 6lblCommam7Faxd 8Fax_LabelFax Labelm9eMaild :eMail_LabeleMail Labeld ;Label109d <Label110d =Label111d >lblLastd ?lblFirstd @lblMiddled ALabel116d BlblIns2mCaddr1d DLabel118mEaddr2jFDemojGSingleInsuredd HLabel140fILine163fJLine164|!KCtl_Care_Data&Care DatamLCareYrsd MCareYrs_LabelCareYrs LabelmNCareStartd OCareStart_LabelCareStart LabelkPCareForMaled QLabel86iROption88d SLabel89iTradInsured2d UlblInsured2mVSurviveYrsd WSurviveYrs_LabelSurviveYrs LabelmXCareCostd YCareCost_LabelCareCost LabelmZInflationd [Inflation_LabelInflation Labelm\CareEndd ]Label220d ^Label221d _Label222d `Label223d aLabel225d bLabel226d cLabel227mtxtDedPeriodd Label2d Label3d Label167jSpecialPremiumOptd Label171d Label212kIndemnityiOption268d Label269iOption266d Label267h cmdNormald Label24d Label200mcurASingled Label1mcurBSinglemcurAYrsd Label9d Label213mcurBYrsd Label173mcurAAged Label16mcurBAged Label169jcSurvivorBend hlpIndemnityjDualWaiver|!Ctl_Advanced_Planning_Options&Advanced Planning OptionsmPremTaxFactord TaxRate_LabelTaxRate LabelmAssetLiqCostd Label152mCareCostFactord Label154mInvReturnd InvReturn_LabelInvReturn Labeld Label155d Label156d Label157d Label158d lblInvReturnd lblAssetLiqCostd lblCareCostFactord lblPremTaxFactormPremIncreased Label191mPremIncreaseYeard Label193d lblPremIncreased Label195d lbmPremTaxFactord lbmAssetLiqCostd lbmCareCostFactord lbmInvReturnd lbmPremIncrease|!P_rogram_OptionsP&rogram OptionspfrmOptionsh cmdQuickh cmdPickListh cmdAboutPageFooterd Label7mText20FormFooterInflationYearsSurvivorBenmEstConsNoInsd Label42mEstConsWithInsd Label45mInsBenValued Label47mInsPremCostd Label50mSelfPaidd Label142h cmdCalculated Label274oPremReturnd Label148d Include_Premium_Investment_Cost_LabelInclude Premium Investment Cost_LabeloLoiAllYearsd lblLoiAllYearsd lbmLoiAllYearsoRateTableIdd Label168ocboYrsPremmYrsPremocboAgePremmAgePr LVAL emd Label11d lblYrsPremd Label18d Label286d Label287oDedPeriodoBenIncreasemBenIncreaseFactorh cmdbCalch cmdaCalcmaAnnPremmbAnnPremoBenyrsjaManPremjbManPrem|!~Ctl_Insurance_Data&Insurance DatamDailyBend lblBenIncreased cmdRateTableIdHelpd lblSurvivorBend Label273d lblManualoRateFactord Label177d IndemnityCaptionLVALT$-06=BCabc*f,ghgi7jIk81[Event Procedure]r@VSELECT tblCustomer.* FROM tblCustomer ORDER BY tblCustomer.aSSN, tblCustomer.Scenario;"Quick Input/Edits/Scenario Summary[Event Procedure][Event Procedure][Event Procedure]80*&hHP LaserJet 1100 (MS)4C odXXLetterDINU"47#@)winspoolHP LaserJet 1100 (MS)LPT1:[Event Procedure][Event Procedure] d2e12hgh MS Sans Serifi1ghj1ghk1m45n2o2p5` FormHeader`54Detailm47];C` aZbci jScenarioScenariod5_`aZbcd eLabel1 - Scenariod5`xaZb'cd eLabel3 Personal Datad5]`xabcd eLabel4 Insured #1j2]`aIi SingleInsured SingleInsured[Event Procedure]d5`a+b8cLabel6Single Insuredm57]`aabc,i kaSSNaSSN000\-00\-0000;;_m57U`abc,i k bSSNbSSN000\-00\-0000;;_d5U`\abce bSSN LabelID # bSSN_Labeld5U`abcd eLabel7 Insured #2m57]`abc,i kaLastaLastm57]` abc,i kaFirstaFirstm57]`ab c,i kaMiddleaMiddled5]`1 abcd eLabel76,d5]`abceLabel109LastAriald5]` abceLabel110FirstAriald5]`abvceLabel111MiddleArialm57U`abc,i k bLastbLastd5U`abcd e bLast LabelName bLast_Labelm57U`!abc,i k bFirstbFirstm57U`%ab c,i k bMiddlebMiddled5U`X abcd elblComma,d5U`abcelblLastLastAriald5U`*!abcelblFirstFirstAriald5U`&abvce lblMiddleMiddleArialm57];`tacbtc,i kaBornaBorn!Between #1/1/1875# And #1/1/2040#Invalid date entered.[Event Procedure][Event Procedure]d5]`xacbcd eLabel66 Birthdate:m7];` aTbhc,i kaAge[Event Procedure][Event Procedure]d5]7`Q acb:cd eLabel79Age:m57;`abtc,i k bBornbBorn!Between #1/1/1875# And #1/1/2040#Invalid date entered.[Event Procedure][Event Procedure]d5]`acb8cd eLabel68 Birthdate:m7U;` acbci kbAge[Event Procedure][Event Procedure]d5U7`Zacb:cd eLabel81Age:d5]`<ab(cd eLabel19 Care Datad5]`abcd eLabel20Insurance Datad5U`a bcd Label21Premiumm57]`va` bci kCareYrsCareYrsBetween 0 And 40Must be between 0 and 40 years.[Event Procedure]5d5]`<a` bcd e CareYrs Label Care Years CareYrs_Labelm57]`va} bci k CareStart CareStartBetween 1 And 50Must be between 1 and 50[Event Procedure]16d5_`<a} bcd eCareStart LabelBeginning YearCareStart_Labelm57]`va bci k SurviveYrs SurviveYrsBetween 10 And 60 Must be between 10 and 60 years.[Event Procedure]30d5]`<a bcd eSurviveYrs LabelPlan Period (yrs)SurviveYrs_Labelm57_`va bci kCareCostCareCLVAL.ostBetween 80 And 1500Must be between $80 and $1500.[Event Procedure]180d5_`<a b4cd eCareCost LabelCurrent Cost $CareCost_Labelm57W`vabci k Inflation InflationBetween 0 And 15Must be between 0% And 15%.[Event Procedure]5d5U`<abcd eInflation LabelInflation RateInflation_Labeld5U` abcd Label227%o05W9`bcvd etf,l n CareForMale CareForMale Value List"First";-1;"Second";0675;0[Event Procedure]d5W`<a bcd eLabel86Care for Insuredm57]`a bc,i kDailyBenDailyBenBetween 0 And 1500+Daily benefit must be between $0 and $1500. =CalcBoth()180d5]`a b&cd eDailyBen LabelDaily BenefitsDailyBen_Labelo05cd eff,l n "";"";"3";"2" DedPeriod DedPeriod Value List tblDedPeriods720Deductible Period<366+Deductible period must not exceed 365 days. =CalcBoth()90d5_`a b&cd eLabel49Deductible Dayso05]9`acdef,l n BenIncrease BenIncrease Value List 0;"None";1;"Simple";2;"Compound"0;720 Interest Type =CalcBoth()2d5U`abcd eBenIncrease LabelInflation TypeBenIncrease_Labelm57`a<b-c,i kBenIncreaseFactorBenIncreaseFactor[Event Procedure]5d5]`a<bcd eLabel212Inflation Rate %j2U`"ai cSurvivorBen SurvivorBen[Event Procedure]d5U`abcd eLabel231Survivor Benefit:j2]`pa%i7aManPremaManPremj2`` a%i8bManPrembManPremm057`%a] bci k aAnnPremaAnnPrem$#,##0.00;($#,##0.00)[Event Procedure]0d5]`a] bDcd eaAnnPrem Label Annual #1aAnnPrem_Labelm057`%a bci k!bAnnPrembAnnPrem$#,##0.00;($#,##0.00)[Event Procedure]0d5]`a bDcd ebAnnPrem Label Annual #2bAnnPrem_Labelh 01`s#a] bci9cmdaCalc[Event Procedure]h(ڭ ڭ  ڭ  ڭ  ڭ  ڭ ڭ ڭHh 01`s#a bci:cmdbCalccmdaCalc[Event Procedure]\(ڭ ڭ  ڭ  ڭ  ڭ  ڭ ڭ ڭHd5]`ZaTb cYd eLabel24Advanced Planning Optionsd5]`Zabcd Label25Care Cost Factorsd5]`abcd Label26Premium Factorsm57U` abc,i k+ AssetLiqCost AssetLiqCostBetween 0 And 502Asset liquidation cost must be between 0% and 50%.[Event Procedure]0d5W`Zab cd eLabel152Asset Liquidation Costsm57U` abc,i k,CareCostFactorCareCostFactorBetween -50 And 502Care cost tax factor must be between -50% and 50%.[Event Procedure]0d5U`Zab cLVAL/d eLabel154Care Cost Tax Factorsd5U`abc IsCheck63%d5U`a=bcLabel157%m57U`#abc,i k. PremTaxFactor PremTaxFactorBetween 0 And 1009Premium tax deduction/credit must be between 0% and 100%.[Event Procedure]0d5W`dab[ cd e TaxRate LabelPremium Tax Deduction/Credit TaxRate_Labeld5U`%abcLabel155%m57U`#axbc,i k1 PremIncrease PremIncrease[Event Procedure]0d5U`daxb\ cd eLabel191Premium Adjustment %m57U`#abc,i k2PremIncreaseYearPremIncreaseYear[Event Procedure]0d5U`dab[ cd eLabel193Premium Changes In Yeard5U`%abcLabel195%m57`Jabc,i k) InvReturn InvReturnBetween 0 And 12-Investment return must be between 0% and 12%.[Event Procedure]6d5]`Zab5$cd eInvReturn Label\Loss of investment opportunity on cost of care and premium (Discount Rate)InvReturn_Labeld5`{abc InvReturn Pct% InvReturn_Pctm7_`da%bk;CareEndCareEndm057]`}%abci k"AgePremAgePrem[Event Procedure][Event Procedure]0d5]`abcd eLabel35Thru Insured Agem057]`}%abci k$YrsPremYrsPrem[Event Procedure][Event Procedure]0d5]`abDcd eLabel37 Years Paymentd5U`Za!b1 cd eLabel38Projections - Estate Impactm07U`a"bdc,i k3 EstConsNoIns$#,##0.00;($#,##0.00)d5U`xa"bcd Label42Care Event - No Insurancem07U`a2(bdc,i k4EstConsWithIns$#,##0.00;($#,##0.00)d5U`xa2(bcd Label45Care Event - With Insurancem07U`a6$bdc,i k5 InsBenValue$#,##0.00;($#,##0.00)d5U`xa6$bcd Label47*Total Economic Value of Insurance Benefitsm07U`a&bdc,i k6 InsPremCost$#,##0.00;($#,##0.00)d5U`xa&bcd Label50Premiumd5]`ma"bcd Label51ݏTo save this scenario, hit the "Add Scenario" below before changing input data. (G) (R) (Q) (L) - Refers to columns of Spreadsheet report. m 157]`af0k<srchName[Event Procedure]d05]`af0bcLabel52Name:m 157]`a1k=srchSSN[Event Procedure]000\-00\-0000;;_d05]`a1bfcLabel53 Client ID #:e015`xa/b" c@@@Box54h 01`a/b cgi> btnFilterSearch[Event Procedure]Arialo 15`acd2ejn?"";"";"";"";"10";"100"srchConsultant Table/QueryMSELECT tblConsultants.*, * FROM tblConsultants ORDER BY tblConsultants.cName;0;1440 Consultant[Event Procedure]d05`a2bclblSrchConsultant Consultant::o 5U`acd1epn@8"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"10";"0" Consultant Consultant Table/QuerySELECT tblConsultants.id, [cName]+nz(", "+[cCredentials]) AS FullName, tblConsultants.cCompany, tblConsultants.clAddr, tblConsultants.clCsz, tblConsultants.clPhone, tblConsultants.clEmail, tblConsultants.clFax, * FROM tblConsultants ORDER BY [cName]+nz(", "+[cCredentials]);0;2160;0;0;0;0;0;0 Consultantd5U`a1bcLabel65 Consultant:h 01U`"a1bcmg iAbtnSetupConsultant Setup[Event Procedure] Arial NarrowHo05]`ab@ cwdcef,l naHealthaHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296=CalcA()d5]`\ acbcd e Health:_LabelHealth: Health__Labelo05U`ab@ cS%dcef,l nbHealthbHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296=CalcB()d5U7`e"acbceLabel72Health:p3a bdc$ dBfrmCustomerShortAddrForm.frmCustomerShortAddr aSSN;Scenario aSSN;Scenario3.7917"j2U`] ai(Check63[Event Procedure]0d5`> abcLabel64Check to included5ULVAL0` abcd eLabel67+d5U` abhcd eLabel69+/-d5U`"abhcd eLabel70+/-d5U`$a"bcd eLabel73(G)d5U`$a2(bcd eLabel74(R)d5U`$a6$bcd eLabel77(Q)d5U`$a&bwcd eLabel78(L)m47U;C`a!bci jkCText79Scenariod5U`Fa!bcd eLabel80Scenariod5Ua bTcEndHiddenSectionEnd of hidden sectionm7` a%bckD intDedPeriod DedPeriodm57U;` aZbc,i k-Text86(=nz([AssetLiqCost])+nz([CareCostFactor])Between -50 And 502Care cost tax factor must be between -50% and 50%.0d5U`ZaZb cd eLabel87Net Cost Adjustmentsd5U`abcLabel88%d5]`ja%b? clblCustomWarning_Premium will not be automatically calculated because custom insurance design has been selected.j2]`/&aui& ysnSinglePrem[Event Procedure]d5]`aWbcd eLabel95Single Premium:h 01U`abciEcmdAddScenario [Event Procedure]d05U`axb cLabel97 Add Scenarioh 01U`DabciF cmdNewClient [Event Procedure]d05U`CabcLabel99Add New Clienth 01U`kabciG cmdShowAddr [Event Procedure]d05U`jabn c lblShowAddrShow Client Address (optional)f23]`Kab)Line102h 01U`a%bci cmdDetail [Event Procedure]d05U`abTcLabel104Detailed Entry Screenh 01U`abciHcmdDetAdvanced [Event Procedure]d05U`abTcLabel107Detailed Entry Screenh 01U`] a!bciI cmdCalculate [Event Procedure]d05U`\ a!bcd Label118Click to CalculateArialf23W`6abcTLine119o5_9`bcd ef,l n"";"";"";"";"10";"100"BenYrsBenYrs Table/QueryPSELECT DISTINCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];0;795 =CalcBoth()255"SELECT DISTINCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];";"tblBenYrs";"";"BenYrs";"BenDisp";"PrimaryKey"m47U;C`4&a/bci kJText53Scenario"A"d5U` a/bdcd  lblScenarioPlan Scenario:d125]7`(abcd e hlpIndemnity?=cmdHelp("hlpIndemnity")Click for helpd5`a bcd eBenefit Period:_LabelBenefit Period:Benefit_Period__Labelk135`aeb ci' Indemnity Indemnity[Event Procedure]1i2W`a Option132d5`abcLabel133 Reimbursementi2W`$a Option134d5`$abcXIndemnityCaption Indemnityj2U` ai DualWaiver DualWaiver[Event Procedure]d5U`abcd eLabel138 Dual Waiver:m07U`a%bdc,i kKSelfPaid=[EstConsNoIns]-[InsBenValue]$#,##0.00;($#,##0.00)d5U`xa%bcd Label142"Self Paid Care Costs (co-payments)d5`$a%bcd eLabel143(G-Q)d5`abcd lblLimPayLimited Pay Optionso05W9`acde f,l n PremReturn PremReturn Value ListM0;None;1;Offset Both Premiums;2;Offset Care Recipient Only;3;No Claims Offset0;1800 =CalcBoth()Premium return indicates refund of premium at end of plan period. The amount of return may be offset by care costs, with the offset amount limited to the premium of the care recipient, or possibly covering both premiums.d5]` abcd eLabel148Return of Premium:d15]7`a+bce aSSN LabelID #[Event Procedure] aSSN_Label Sort By ID #d15]7`abc,d e aLast LabelName[Event Procedure] aLast_Label Sort By Namem 07U;`a=,bdc,i kLIntRateOfReturnPercentd5U`xa=,bA cd Label303Internal Rate of Return (IRR)m 07U;`a*bdc,i kMNetPresentValue$#,##0.00;($#,##0.00)d5U`a*bA cd Label307Net Present Value (NPV)m07U;`a-bdc,i kNPBEGeneral NumberAriald5U`xa-bcd Label63"Premium Break-Even Claim/Care DaysAriald5U`Za)b1 cd eLabel149Financial Ratiosd5W`Zabcd Label150Investment Factorsk135]`xab#c*i* LoiAllYears LoiAllYears[Event LVALProcedure]-1i2W`a? Option157d5`a#bcLabel158 All Yearsi2W`da? Option159d5`Ja#bcLabel160to Premium Break-Even (PBE)d5`Za#bcd elblLoiAllYears#Include Premium Investment Cost forh1U`a|)c@iOcmdCalcInflation Impact Calculators[Event Procedure]m57U`#abc,i k0PremTaxFactor2PremTaxFactor2Between 0 And 100 Or Is Null9Premium tax deduction/credit must be between 0% and 100%.[Event Procedure]0d5]`ab cd eLabel164&Optional: In year , change tod5U`%a.bcLabel165%m57`abc,i k/PremTaxFactor2YrPremTaxFactor2Yr<[SurviveYrs] Or Is NullSecond premium tax factor must start after the first year, and before the end of the planning period. Enter 2 to start it immediately after the first year.[Event Procedure]0o5U`cd$ ef,l n"";"";"";"";"10";"100" RateTableId RateTableId Table/QueryvSELECT tblRateTables.RateTableId, tblRateTables.RateTableName FROM tblRateTables ORDER BY tblRateTables.RateTableName;0;864[Event Procedure][Event Procedure] =CalcBoth()"SELECT tblRateTables.RateTableId, tblRateTables.RateTableName FROM tblRateTables ORDER BY tblRateTables.RateTableName;";"tblRateTables";"";"RateTableId";"RateTableName";"PrimaryKey"d5]`a$ bcd eLabel168Rate:o059B`c%defl n% cboYrsPremYrsPrem Value List0;720[Event Procedure][Event Procedure]0d5`ab~ cd eLabel173 Years Paymento059B`c%defl n# cboAgePremAgePrem Value List0;720[Event Procedure][Event Procedure]0d5`ab cd eLabel172Thru Insured Aged1257`Ta$ bcd eLabel174?=cmdHelp("hlpRateTables")Click for helpo05c!denP RateFactor RateFactor Value List.-50;-40;-30;-25;-20;-15;-10;-5;0;5;10;15;20;25 =CalcBoth()0d5`ab8cLabel177Group/State Rate Factor:d1257`$a bcd e hlpRateFactor?=cmdHelp("hlpRateFactor")Click for helph1U`7#a|)b8ciQ cmdOptionsProgram Options[Event Procedure]h1U`a+c@iRcmdSelfFundCalcSelf Fund Calculator[Event Procedure]` FormFooterh 01U`-ab cmdPrintAllPrint Report Group[Event Procedure]h 01U`aabi btnPreviewPreview/Select[Event Procedure]h 01U`k abiPrintMePrint This Form[Event Procedure]d05U`xbcYd e BottomLabel)Click a button to make a print selection.Arialh 01U`~'a<bc@i Command48Exit[Event Procedure]H Close Formh 01U`a<b c@i Command57Delete Scenario[Event Procedure]H Delete Recordh 01U`a<b c@i cmdScenarioAdd Scenario[Event Procedure]#Create new scenario for this clienth 01U`a<bc@g i cmdPickList Client List[Event Procedure]Arial#Create new scenario for this clientm47U;C`xab8kText1257="LTC Economic Impact Planning Model, Patent Pending."Arialm47];C`abkText1364="Version "+DLookUp("version","tblOption")+VerType()Arialh1`r$abi cmdAbout About LTCia[Event Procedure]h 01U`uabi cmdScenCompCompare Scenarios[Event Procedure]h 01U2A`!a<bc@i Command56 Add Client[Event Procedure]H Add Recordh 01U`$a<bc@i cmndDelCliDelete Client[Event Procedure] Add Recordh 01`abi cmdUpdateUpdate[Event Procedure]h 01U`EabicmdPrintAllPdfPDF[Event Procedure]rMHXS,LVALT$2ͬqR *FormHeaderDetailmScenariod Label1d Label3d Label4jSingleInsuredd Label6maSSNm bSSNd  bSSN_LabelbSSN Labeld  Label7m aLastm aFirstmaMiddled Label76d Label109d Label110d Label111mbLastd bLast_LabelbLast LabelmbFirstmbMiddled lblCommad lblLastd lblFirstd lblMiddlemaBornd Label66maAged Label79mbBornd  Label68m!bAged "Label81d #Label19d $Label20d %Label21m&CareYrsd 'CareYrs_LabelCareYrs Labelm(CareStartd )CareStart_LabelCareStart Labelm*SurviveYrsd +SurviveYrs_LabelSurviveYrs Labelm,CareCostd -CareCost_LabelCareCost Labelm.Inflationd /Inflation_LabelInflation Labeld 0Label227o1CareForMaled 2Label86m3DailyBend 4DailyBen_LabelDailyBen Labelo5DedPeriodd 6Label49o7BenIncreased 8BenIncrease_LabelBenIncrease Labelm9BenIncreaseFactord :Label212j;cSurvivorBend <Label231j=aManPremj>bManPremm?aAnnPremd @aAnnPrem_LabelaAnnPrem LabelmAbAnnPremd BbAnnPrem_LabelbAnnPrem Labelh CcmdaCalch DcmdbCalcd ELabel24d FLabel25d GLabel26mHAssetLiqCostd ILabel152mJCareCostFactord KLabel154d LIsCheck63d MLabel157mNPremTaxFactord OTaxRate_LabelTaxRate Labeld PLabel155mQPremIncreased RLabel191mSPremIncreaseYeard TLabel193d ULabel195mVInvReturnd WInvReturn_LabelInvReturn Labeld XInvReturn_PctInvReturn PctmYCareEndmZAgePremd [Label35m\YrsPremd ]Label37d ^Label38m_EstConsNoInsd `Label42maEstConsWithInsd bLabel45mcInsBenValued dLabel47meInsPremCostd fLabel50d gLabel51mhsrchNamed iLabel52mjsrchSSNd kLabel53elBox54h mbtnFilteronsrchConsultantd olblSrchConsultantopConsultantd qLabel65h rbtnSetuposaHealthd tHealth__LabelHealth:_LabeloubHealthd vLabel72pwfrmCustomerShortAddrjxCheck63d yLabel64d zLabel67d {Label69d |Label70d }Label73d ~Label74d Label77d Label78mText79d Label80d EndHiddenSectionmintDedPeriodmText86d Label87d Label88d lblCustomWarningjysnSinglePremd Label95h cmdAddScenariod Label97h cmdNewClientd Label99h cmdShowAddrd lblShowAddrfLine102h cmdDetaild Label104h cmdDetAdvancedd Label107h cmdCalculated Label118fLine119oBenyrsmText53d lblScenariod hlpIndemnityd Benefit_Period__LabelBenefit Period:_LabelkIndemnityiOption132d Label133iOption134jDualWaiverd Label138mSelfPaidd Label142d Label143d lblLimPayoPremReturnd Label148d aSSN_LabelaSSN Labeld aLast_LabelaLast LabelmIntRateOfReturnd Label303mNetPresentValued Label307mPBEd Label63d Label149d Label150kLoiAllYearsiOption157d Label158iOption159d Label160d lblLoiAllYearsh cmdCalcmPremTaxFactor2d Label164d Label165mPremTaxFactor2YroRateTableIdd Label168ocboYrsPremd Label173ocboAgePremd Label172d Label174FormFoot LVAL erh cmdPrintAllh btnPreviewh PrintMed BottomLabelh Command48h Command57h cmdScenarioh cmdPickListmText125mText136h cmdAbouth cmdScenComph Command56h cmndDelClih cmdUpdateaddr1addr2PhoneFaxeMailInflationYearsSurvivorBenDemoSpecialPremiumOptd Label177oRateFactord IndemnityCaptiond hlpRateFactorh cmdOptionsh cmdSelfFundCalch cmdPrintAllPdfaLVAL p.}rU T$`< $A`@ $`DnrU XnrU T, ` I&&nrU T$` ($A` ($` ($` (nrU L, `P I&&,A `T I&&, `Mq/#n 06=Babcf,ghi# j)kT[Event Procedure]%(aSsn='000000001') And (Scenario='A')>~;@ tblCustomer[Event Procedure]d2hgh MS Sans Serifj1ghm45`( Detailm7U`awbt curASingle$#,##0.00;($#,##0.00)[Event Procedure]d5U`<awbcLabel1Single Premium:d5U`a<btceLabel2 First Insuredd5U` a<bceLabel3Second Insuredm7U` ahbtk curBSingle$#,##0.00;($#,##0.00)[Event Procedure]m7U`abtkcurAYrs$#,##0.00;($#,##0.00)[Event Procedure]d5U`<abcLabel9Limited Premium:m7U` abtkcurBYrs$#,##0.00;($#,##0.00)[Event Procedure]d5U`a bcLabel11form7U`a bkYrsPremYrsPremd5U`8a bcLabel14years.m7U`abtkcurAAge$#,##0.00;($#,##0.00)[Event Procedure]d5U`<abcLabel16Limited Premium:m7U` atbtkcurBAge$#,##0.00;($#,##0.00)[Event Procedure]d5U`abcLabel18 until agem7U`abkAgePremAgePremd5U`sabxcLabel21.h1U2X`ab@c@i Command22 Command22[Event Procedure],(ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formd5U7`aW bcLabel25E&xith1U2N`xab@c@i cmdNormal Command23[Event Procedure](ڭڭzwwq}}wqzwwqzwڭHReset to Normal Premiumd5U7`<aH bcLabel24&Normal Premiumm7U`0 aSbHk aAnnPremaAnnPremm7U`aSbHk bAnnPrembAnnPremͬ7qR *DetailmPhoned Phone_LabelPhone LabelmFaxd Fax_LabelFax LabelmeMaild eMail_LabeleMail Labelmaddr1d Label118m addr2 SingleInsured aSSN bSSN ScenarioaLastbLastaFirstbFirstaMiddlebMiddleaBornbBornaHealthbHealthBenyrsCareYrsCareStartCareEndCareForMaleSurviveYrsCareCostInflation InflationYears!DedPeriod"DailyBen#BenIncrease$BenIncreaseFactor%aAnnPrem&aManPrem'bAnnPrem(bManPrem)PremTaxFactor*AssetLiqCost+CareCostFactor,InvReturn-SurvivorBen.Consultant/Demo0YrsPrem1AgePrem2PremIncrease3PremIncreaseYear4SpecialPremiumOpt5Indemnity6DualWaiver$LVAL >>rU T$`<$A`@ $`D (`H0I&nrU T$`0 n 0=Babche gh\ ij,k~I;4 @New User InformationArial[Event Procedure]d2hgh MS Sans Serif`<Detaild5U`aKbcd Label0ݴWelcome to the LTCia model. You have successfully logged into the program. Before proceeding, please change your password. Click on the Change Password button below to do this now.h1U`JaCommand1Change Password[Event Procedure]d5U`abcd Label2,After you have changed the password, click on the continue button below. The next screen you see will be the client information screen. To start your own client files, use the Add Client and Add Scenario buttons at the bottom of the client information screen. Client records are automatically saved.h1U`Ja iCommand3Continue[Event Procedure] 02=Babce ghij,k V*@Login[Event Procedure]Ariald2hgh MS Sans Serifm45o2`pDetailo5U`bB cpdhef,l "";"";"";"";"";"";"10";"100" cboConsultant Table/QuerywSELECT DISTINCTROW [tblConsultants].[id], [tblConsultants].[cName], [tblConsultants].[cPassCode] FROM [tblConsultants];0;2370;0[Event Procedure]d5U`hahbcd cName_LabelSelect Consultant:m7U`pa bc,i k txtPasswordPasswordd5U`ha bcd Label3 Password:h1U`aicmdLoginLogin[Event Procedure]h1U`aiCommand5Exit[Event Procedure] 0236=Babcpf,gh'ij$kuX @tblHelpScreens LTCia Helpd2hgh MS Sans Serifm45`.Detailm 247UC`xaibc>e&i HelpTextHelpTexth1U2E`a b@c@iCommand3Command3[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭHClose help screend5U7`aMbcLabel4&Exitm7U`| a9k ReturnToField ReturnToFieldͬFqR *DetailmcurASingled Label1d Label2d Label3mcurBSinglemcurAYrsd Label9mcurBYrsd  Label11m YrsPremd  Label14m curAAged  Label16mcurBAged Label18mAgePremd Label21h Command22d Label25h cmdNormald Label24maAnnPremmbAnnPremSingleInsuredaSSNbSSNScenarioaLastbLastaFirstbFirst aMiddle!bMiddle"addr1#addr2$aBorn%bBorn&aHealth'bHealth(Phone)Fax*eMail+Benyrs,CareYrs-CareStart.CareEnd/CareForMale0SurviveYrs1CareCost2Inflation3InflationYears4DedPeriod5DailyBen6BenIncrease7BenIncreaseFactor8aManPrem9bManPrem:PremTaxFactor;AssetLiqCost<CareCostFactor=InvReturn>SurvivorBen?Consultant@DemoAPremIncreaseBPremIncreaseYearCSpecialPremiumOptDIndemnityEDualWaiver15#\ w 2 M  X # { . Q  '`{6Q \'2U+HB ,N@,N@25`" wHB ,N@,N@0@BTypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@ @BBlob2.*" HB ,N@,N@24`" wHB ,N@,N@@ TypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@H@ABlob2.*" HB ,N@,N@23`" wHB ,N@,N@@ATypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@@@Blob2.*" HB ,N@,N@22`" wHB ,N@,N@@ TypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@o@?Blob2.*" HB ,N@,N@21`" wHB ,N@,N@@?TypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@@?Blob2.*" HB ,N@,N@20`" wHB ,N@,N@y@>TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@= @>Blob2.*"  ,N@,N@19`" w ,N@,N@@<TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@ @=Blob2.*"  ,N@,N@18`" w ,N@,N@ @=TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@ @<Blob2.*"  ,N@,N@17`" w ,N@,N@t@ TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@8@4Blob2.*"  ,N@,N@16`" w ,N@,N@@ TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@@4Blob2.*"  ,N@,N@15`" w ,N@,N@@ TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@@4Blob2.*"  ,N@,N@14`" w ,N@,N@@ TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@@;Blob2.*"  ,N@,N@13`" w ,N@,N@ @;TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@$C6T$Blob2.*"  ,N@,N@12`" wLVALT$7 026=BCabc,f,ghKi j[;k# ً@ tblDefaultsModel Variable Defaults[Event Procedure]8.\hLexmark Z31 Series ColorFine` odXXLetter 8 1/2 x 11 in  Lexmark Z31 Series ColorFineLPT1:LPT1:p.winspoolLexmark Z31 Series ColorFineLPT1:d2e12f5g237hgh MS Sans Serifi1ghj1ghk1l23:m4n2o2p5r35zij MS Sans Serif{5` FormHeader2` PageHeader`|Detailh 01U2C`apb@c@i Command48Close[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formd05U7`abgcLabel60&Closeo 5U`acvdep8"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"";"10";"0" Consultant Consultant Table/QuerySELECT tblConsultants.id, [cName]+nz(", "+[cCredentials]) AS FullName, tblConsultants.cCompany, tblConsultants.clAddr, tblConsultants.clCsz, tblConsultants.clPhone, tblConsultants.clEmail, tblConsultants.clFax, * FROM tblConsultants ORDER BY [cName]+nz(", "+[cCredentials]);0;2160;0;0;0;0;0;0 Consultantd5U`VabcLabel65 Consultant:h 01U5`abcg hibtnSetup Program Setup(( h\8UWU_ U_ U_U_U_ U_ U_U_U_U_SystemHm457U;C`BabcXkText125h="LTC Economic Impact Planning Model, Patent Pending. Version "+DLookUp("version","tblOption")+VerType(){1Uab,cef TabCtl153|1`aeb+cu &Care Data Ctl_Care_Datam7`abci CareYrsCareYrsBetween 1 And 15Must be between 1 and 15 years.[Event Procedure]5d5`abcd e CareYrs Label;One spouse will need care for __ years before passing away. CareYrs_Labelm7`abci k CareStart CareStartBetween 1 And 50Must be between 1 and 50[Event Procedure]16d5`abcd eCareStart Label@The need of care will start at the beginning of ___ policy year.CareStart_Labelk135`an bq c*i CareForMale CareForMale-1d5`an brcLVAL8d eLabel86Care will be fori2`a Option88d5`a btcd Label89 Insured #1i2`!a radInsured2d5`"a bcd lblInsured2 Insured #2m7`a bci k SurviveYrs SurviveYrsBetween 10 And 60 Must be between 10 and 60 years.30d5`a bcd eSurviveYrs LabelDSurviving spouse will live for the entire plan period of ____ years.SurviveYrs_Labelm7`a bci kCareCostCareCostBetween 80 And 800Must be between $80 and $800.180d5`a b9cd eCareCost Label&Current cost of care is $____ per day.CareCost_Labelm7`a2bci k Inflation InflationBetween 0 And 15Must be between 0% And 15%.5d5`a2bScd eInflation Label5____% compound inflation increases the cost annually.Inflation_Labelm7`rab ckCareEndCareEndBetween 13 And 40 Must be between 13 And 40 years.20d5` adbcd eLabel220Range of Valuesd5`u!abcd eLabel221 1 to 15 yearsd5`u!abcd elblNeed 1 to 50 yearsd5`u!a bcd e LblSurvive10 to 60 yearsd5`u!a bcd eLabel225 $80 to $800d5`u!a<bcd eLabel226 0% to 15%d5`a-bcd Label227%o05`ab@ cd(f,l naHealthaHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296$=DLookUp("HealthRating","tblOption")d5`Ja(bc,e Health:_LabelInsured #1 Health: Health__Labelo05`ab@ cd(f,l nbHealthbHealth Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296$=DLookUp("HealthRating","tblOption")d5`ja(bc,eLabel72Insured #2 Health:|1`aeb+cu&Insurance DataCtl_Insurance_Datao5cd` e f,l "";"";"3";"2" DedPeriod DedPeriod Table/Query tblDedPeriods720Deductible Period90m7`a bc,i kDailyBenDailyBenBetween 50 And 300+Daily benefit must be between $50 and $300.180d5`,a bcd eDailyBen Label>Daily insurance benefit during the first policy year is $____.DailyBen_Labelo05`bcd ef,l nBenyrsBenYrs Value List3;3;4;4;5;5;255;"Unlimited"0;795255d5`,a bcd eLabel103,Maximum number of years of benefits is ____.d5`,a` bcd eLabel49Daily insurance benefit during the first policy year is $____.j2`aiSpecialPremiumOptSpecialPremiumOptd5`a brcd eLabel2Joint Premium or FLVAL9irst Insuredd5`a bcd e lblSecondSecond Insuredo5`bcdef,l n"";"";"";"";"10";"100"cBenYrsBenYrs Table/QueryPSELECT DISTINCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];0;795"SELECT DISTINCTROW [tblBenYrs].[BenYrs], [tblBenYrs].[BenDisp] FROM [tblBenYrs];";"tblBenYrs";"";"BenYrs";"BenDisp";"PrimaryKey"o059`acd etf,l nCombo170 BenIncrease Value List 0;"None";1;"Simple";2;"Compound"0;720 Interest Type2d5`a bcd eLabel1712Insurance benefits increase using _____ inflation.m7`W!a b-c,i ksBenIncreaseFactorBenIncreaseFactor255d5` a bcd eLabel212atd5`(a*b,cd Label11fork135`a b c*i Indemnity Indemnity0i2`a Option268d5` a bcLabel269 Indemnityi2`a Option266d5`ra bcLabel267 Reimbursementd5`a*bvcd Label14years.o05c#d eHf,l n cRateFactor RateFactor Value List.-50;-40;-30;-25;-20;-15;-10;-5;0;5;10;15;20;250d5`a b cd eLabel273Group/State Rate Factor:h 12R`P(a b@c@i cmdNormal Command23[Event Procedure]0(   ڠ ڠ з ڠ pڠ  HReset to Normal Premiumd57`(aFbcXLabel24&Reset to Normal Premiumd5`(ab9cd Label18 until agem057`BabFc,i k saAnnPremaAnnPrem$#,##0.00;($#,##0.00)[Event Procedure]d5`a-bcd eLabel200Annual Premium:d5`_abxcd Label21.m057`a<bFc,i k sbAnnPrembAnnPrem$#,##0.00;($#,##0.00)[Event Procedure]m057`CabFc,i k curASingle$#,##0.00;($#,##0.00)d5`abcd eLabel1Single Premium:m057`abFc,i k curBSingle$#,##0.00;($#,##0.00)m057`CabFc,i k curAYrs$#,##0.00;($#,##0.00)d5`a bcd eLabel9Limited Premium:m057`abFc,i k curBYrs$#,##0.00;($#,##0.00)d5`#a bcd eLabel213%m57`abc,i kYrsPremYrsPremd5`abcd eLabel173,Maximum number of years of benefits is ____.d5`&a bcd eLabel230 1% to 10%d5`a bcd elblSurvivorBenBSurvivor Benefit: Model assumes effective at first death.m057`CabFc,i kcurAAge$#,##0.00;($#,##0.00)d5`abcd eLabel16Limited Premium:m057`abFc,i kcurBAge$#,##0.00;($#,##0.00)d5`atbs#cd eLabel161hThe following options require the manual entry of a premium which you must estimate or obtain elsewhere.m57`abc,i kAgePremAgePremd1257`*a bcd e hlpIndemnity?=cmdHelp("hlpIndemnity")Click for helpd5`am bcd eLabel262)Select reimbursement or indemnity policy.j2`RaEi cSurvivorBen SurvivorBen|1`aeb+cu&Advanced Planning OptionsCtl_Advanced_Planning_Optionsm7`8 abc,i PremTaxFactor PremTaxFactorBetween 0 And 50.Premium tax factor must be between 0% and 50%.0 =showMe()d5`ab cd e TaxRate LabelPremium Tax Deduction/Credit TaxRate_Labelm7`8 abbc,i k AssetLiqCost AssetLiqCostBetween 0 And 502Asset liquidation cost must be between 0% and 50%.0 =showMe()d5`LVAL:abbM cd eLabel152Asset Liquidation Costsm7`8 abc,i kCareCostFactorCareCostFactorBetween -50 And 502Care cost tax factor must be between -50% and 50%.0 =showMe()d5`abM cd eLabel154Care Cost Tax Factorsm7`8 a} bc,i k InvReturn InvReturnBetween 0 And 12-Investment return must be between 0% and 12%.0 =showMe()d5`a} bk cd eInvReturn LabelInvestment return assumptionInvReturn_Labeld5`KabcLabel155%d5`KabcLabel156%d5`Ka$ bcLabel157%d5`Ka bcLabel158%d5`;a bco d lblInvReturnNAssets consumed to pay LTC care expenses or LTC insurance premiums are no longer available for investment purposes. From an estate-planning standpoint, the erosion of investment returns during and following a spousal period of long-term care can have a major additional impact on family wealth transferred to the next generation. From an insurance standpoint, for those who feel self insurance is preferable, this section also provides an opportunity to evaluate the long term care purchasing power with invested dollars versus insurance benefit dollars available for long periods of care. d5`;apbacd lblAssetLiqCost@Assets sales required to pay LTC care expenses may incur high selling costs or losses due to forced sale of illiquid assets and untimely sales of equities during down markets. This factor allows you to include in the economic impact those costs associated with liquidating investment assets at the time care is required.d5`wa2 b%cO d lblCareCostFactorRequiring care may cause personal taxes to increase or decrease. Qualified long- term care expenses that exceed 7.5% of Adjusted Gross Income (AGI) are currently tax deductible. Depending on individual circumstances and the source of funds to pay the long term care expenses, the care recipient may have a decrease or an increase in the dollar amount of taxes due as a result of requiring long term care. For example, if "Tax Qualified Retirement Funds" are liquidated, the entire amount is normally taxable. Depending on income and other tax deductions available, the higher tax on liquidated assets may be greater than the tax deduction available due to the long- term care expenses.d5`waDb%cd lblPremTaxFactor4Certain taxpayers enjoy tax deduction opportunities on long term care premiums. Federal taxes, and some states, have deductions or credits which will reduce the out of pocket cost of long term care insurance premiums. An entry in this field will reduce the adjusted premium cost by the specified proportion.m7`8 a bc,i k PremIncrease PremIncrease0 =showMe()d5`a b cd eLabel191Premium Increase/Decreasem7`8 a bc,i kPremIncreaseYearPremIncreaseYear<>1uPremium increase must start after the first year. Enter 2 to start premium increase immediately after the first year.0 =showMe()d5`a b cd eLabel193Premium Changes In Yeard5`;a bcd lblPremIncreaserWhile a number of quality insurance companies have not had rate increases on long term care insurance, in most circumstances the have the right to raise premiums in the future. This entry allows you to factor a potential future rate increase or decrease. Specify the year to start the adjustment. Enter 2 to start adjusting the premium immediately after the first year.d5`Ka? bcLabel195%d5`wabcd elbmPremTaxFactor9Premium Tax Deduction/Credit Range 0% to 50%d5`abcd elbmAssetLiqCost@Asset Liquidation Costs Range 0% to 50%d5`a bcd elbmCareCostFactor>Care Cost Tax Factors Range -50% to 50%d5`a b"cd e lbmInvReturn5Investment Return Assumption Range 0% to 12%d5`Ja0 b cd elbmPremIncreasePremium Increase/Decrease %o05`cdKef,l n LoiAllYears LoiAllYears Value List0;"To PBE";-1;"For All Years"0;8640h LVALx =showMe()d5`aKbcd elblLoiAllYearsInclude Premium Investment Costd5`a bxclbmLoiAllYears d235`a bcd e lblDisabled Advanced planning options are disabled because you selected to exclude them by default in the program options screen. If you want to choose default values for these options, close this window, change the option to include advanced planning, and reopen this window. Arialm457UC`ZbcijkText257E="Default Values for "+IIf([SingleInsured],"Single","Two")+" Insured"h1U`!a-bcXi cmdOtherRec%Click to go to values for Two Insured[Event Procedure]2` PageFooterd5U`ZbcdLabel7HCopyright 1998-2000 LTCi Decision Systems, Inc. All Rights Reserved. Arialm457U`b ciText20*="Version "+DLookUp("version","tblOption")Arial` FormFooterLVAL 023=Babc<e g hXijkDr,@Change Expiration DateAriald2hgh MS Sans Serifm45o2`Detailh1U`ai cmdUpdateUpdate[Event Procedure]h1U`ai cmdCancelCancel[Event Procedure]o5UbcTde"";"";"10";"100" cboConsultant Table/QueryBSELECT DISTINCTROW [tblConsultants].[cName] FROM [tblConsultants];1980d5U`abc cName_Label Consultant: m7U`TaIk intUserId[Event Procedure]d5U`aIb8cLabel9 New User ID: ͬqR *FormHeaderPageHeaderDetailh Command48d Label60oConsultantd Label65h btnSetupmText125{  TabCtl153|! Ctl_Care_Data&Care Datam CareYrsd  CareYrs_LabelCareYrs Labelm CareStartd CareStart_LabelCareStart LabelkCareForMaled Label86iOption88d Label89iradInsured2d lblInsured2mSurviveYrsd SurviveYrs_LabelSurviveYrs LabelmCareCostd CareCost_LabelCareCost LabelmInflationd Inflation_LabelInflation LabelmCareEndd Label220d Label221d lblNeedd LblSurvived  Label225d !Label226d "Label227o#aHealthd $Health__LabelHealth:_Labelo%bHealthd &Label72|!'Ctl_Insurance_Data&Insurance Datao(DedPeriodm)DailyBend *DailyBen_LabelDailyBen Labelo+Benyrsd ,Label103d -Label49o.BenIncreased /BenIncrease_LabelBenIncrease Labeld 0Label160d 1Label215d 2Label216d 3Label217d 4Label218d 5Label219h 6cmdCustom|!7Ctl_Custom_Insurance_Design&Custom Insurance Designm8txtDedPeriodd 9Label169m:Text166d ;Label167j<SpecialPremiumOptd =Label2d >lblSecondo?cBenYrso@Combo170d ALabel171mBsBenIncreaseFactord CLabel212d DLabel11kEIndemnityiFOption268d GLabel269iHOption266d ILabel267d JLabel14h KcmdNormald LLabel24mMsaAnnPremd NLabel200d OLabel18mPsbAnnPremd QLabel21mRcurASingled SLabel1mTcurBSinglemUcurAYrsd VLabel9mWcurBYrsmXYrsPremd YLabel213mZcurAAged [Label16d \Label173d ]Label230d ^lblSurvivorBenm_curBAgem`AgePremd aLabel161jbcSurvivorBend chlpIndemnityd dLabel262|!eCtl_Advanced_Planning_Options&Advanced Planning OptionsmfPremTaxFactord gTaxRate_LabelTaxRate LabelmhAssetLiqCostd iLabel152mjCareCostFactord kLabel154mlInvReturnd mInvReturn_LabelInvReturn Labeld nLabel155d oLabel156d pLabel157d qLabel158d rlblInvReturnd slblAssetLiqCostd tlblCareCostFactord ulblPremTaxFactormvPremIncreased wLabel191mxPremIncreaseYeard yLabel193d zlblPremIncreased {Label195d |lbmPremTaxFactord }lbmAssetLiqCostd ~lbmCareCostFactord lbmInvReturnd lbmPremIncreased lblDisabledmText257h cmdOtherRecPageFooterd Label7mText20FormFooteraSSNbSSNSingleInsuredInflationYearsBenIncreaseFactoraAnnPremaManPrembAnnPrembManPremSurvivorBenDemoScenariooLoiAllYearsd lblLoiAllYearsd lbmLoiAllYearsoRateFactord Label177d Label273ocRateFactord hlpRateFactorLVALrU 01p  ),`Ia00(`y0nͬ xcNZL`DDetailmcurCostd Label2mintInflationd Label4d Label5h cmdCalculateh cmdPrintncboSelReportd  Select_Report__LabelSelect Report:_Labelh  cmdCloseh  cmdPdf0236=Babc,f,gLhi8j;.kqb5@ tblOptionProgram Options[Event Procedure][Event Procedure] d2hgh MS Sans Serifi1ghj1ghk1m45o2p5` Detailm7]` axbNextIdNextIdd5_`axbo ceLabel3Next Automatic Client ID #:k135_`ahb ci cboDataEntry[Event Procedure]2d5]`<abceLabel13Startup With Form:i2W`f aOption9d5`L abcLabel10Detailedi2W` aOption11d5`abcLabel12 Quick-Summarym7`abk StartupForm StartupFormk135U`aa b ciIncludeAdvPlanIncludeAdvPlan[Event Procedure][Event Procedure]0i2W` a Option18d5` a b8cLabel19Includei2W`a Option20d5`ha bcLabel21Excluded5Ua bceLabel22Advanced Planning:k135`ab% ciBandWBandW0i2W`W a7Option38d5`= ab8cLabel39Black && Whitei2W`a7Option40d5`abcLabel41Colord5U`<a6bceLabel42Chart Printing:p3W`Ta,b cxd"Print All" Includes:Form."Print All" Includes:Ctl_Print_All__Includes_d5]`Ta<b ce"Print All" Includes: Label"Print Report Group" Includes:Ctl_Print_All__Includes__Labelj2U` az i ReversePrint ReversePrintd5` a\ bCceLabel48 Reverse Print Order on Print Allo05U`ab@ cd6f,l n HealthRating HealthRating Value List&0;"Preferred";1;"Standard";2;"Rate Up"0;1296[Event Procedure]d5U`<a6b%ce Health:_LabelHealth Rating: Health__Labelh1Uabci cmdDefaultsSet Model Variable Defaults[Event Procedure]j2U`aiysnSpecFooter2ysnSpecFooter2d5Uab ceLabel68%Include Advisor/Agent Use Only Footero5U`cdef,l n"";"";"";"";"10";"100" RateTableId RateTableId Table/QueryvSELECT tblRateTables.RateTableId, tblRateTables.RateTableName FROM tblRateTables ORDER BY tblRateTables.RateTableName;0;864[Event Procedure]"SELECT tblRateTables.RateTableId, tblRateTables.RateTableName FROM tblRateTables ORDER BY tblRateTables.RateTableName;";"tblRateTables";"";"RateTableId";"RateTableName";"PrimaryKey"d5U`<abDceLabel168 Rate Table:j2]` a i ManualUpdate ManualUpdated5Ua b ceLabel70Manual update:d125W7` a bcd ecmdRateTableIdHelp?=cmdHelp("hlpManualUpdate")Click for helpd125U7`abcd eLabel71?=cmdHelp("hlpRateTablesOpt")Click for helph1U`"ab@c@i cmdClose Command72[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formj2U` a\ i PrintPageNumbersPrintPageNumbers`gI5d5Wa\ b ceLabel75Print Page Numbers:L+(RKsuLVAL  026=Babc(f,gh?iYjg/kR>,@Inflation Impact Calculators[Event Procedure]d2hgh MS Sans Serifm45n2o2`Detailm07U`abc,i curCost$#,##0.00;($#,##0.00)Ariald5U`xabcd Label2Current Daily Cost:Arialm7U`abc,i k intInflationAriald5U` abcd Label4Inflation rate:Ariald5U`abcd Label5%Arialh1U`<ab@ci cmdCalculatecmdCalc[Event Procedure](p xp臀px   ArialHPreviewh1U`ab@cicmdPrintcmdCalc[Event Procedure](ڭ Ј  w   ڭڭArialHPrintn03U`a bXc d8j l cboSelReport Value ListX1;"Care Cost";2;"Elimination Period Cost";3;"Compound v. Simple Benefit";4;"All Reports"0;2880Ariald5U`aXbDcd Select Report:_LabelSelect Report ------->ArialSelect_Report__Labelh1U`Dab@cicmdClosecmdCalc[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭArialHExith1U`ab@chicmdPDFPDF[Event Procedure]ArialHPrintbLMEЁutgͬ=݈qR *DetailmNextIdd Label3kcboDataEntryd Label13iOption9d Label10iOption11d Label12m StartupFormk IncludeAdvPlani Option18d  Label19i Option20d Label21d Label22kBandWiOption38d Label39iOption40d Label41d Label42pCtl_Print_All__Includes_"Print All" Includes:d Ctl_Print_All__Includes__Label"Print All" Includes: LabeljReversePrintd Label48o HealthRatingd !Health__LabelHealth:_Labelh "cmdDefaults#Version$SpecialVerText%Demo&Accepted'Hash(Word)ValidateDate*SingleInsured+CalcG,CalcR-CalcQ.CalcL/ImportedRecs0OptionalFooter1OptionalFooter22ExpireDate3ExpireHash4ExpireConsultantBLoiAllYearsjGysnSpecFooter2d HLabel68INewCustomInsoJRateTableIdd KLabel168d MLabel70jLManualUpdated NcmdRateTableIdHelpd OLabel71QRateFactorh RcmdClosed TLabel75jSPrintPageNumbersLVALJrU T$`< $A`@ nͬ刱qR *DetailnrptNameh btnPreviewh btnPrinth btnClosepfrmPrintReportBWlOLEBound10OrdertxtLabel ysnPrint NeedsFilter HasBwVersion Thumbnaild  Label8h btnPDFd Label7d Label3d Label36d Label9 0236=Babcf,g h}i j)1k$nU@ tblReportsPrint a Report[Event Procedure][Event Procedure]d2hgh MS Sans Serifj1ghl2m45n2p5`Detailn3U8`a<bicd7rptName Table/QuerySELECT tblReports.rptName, tblReports.txtLabel, tblReports.PgNum, tblReports.HasBwVersion, tblReports.NeedsFilter, tblReports.HasLFAVersion, IIf([rptName]>"",[Order],"") & ". " & [txtLabel] AS strLabel FROM tblReports ORDER BY tblReports.Order;0;0;0;0;0;0;1440[Event Procedure]h1U`Kab@c@i btnPreviewCommand2[Event Procedure](p xp臀px   HPreview Reportd5U78abcLabel7Preview Arial NarrowUr"I*ż/(Xh1U`9ab@c@ibtnPrintCommand3[Event Procedure]0(ڭ Ј  w   ڭڭH Print Reportd5U78`9ab@cLabel3Print Arial NarrowKlNs,F +h1U` ab@c@ibtnCloseCommand4[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formd5]78` abIcLabel9Exit Arial Narrow?B0GXFp3U45`abcdfrmPrintReportBWForm.frmPrintReportBWl5U` axb| c| i OLEBound10 Thumbnaild5U` ab cLabel8ݖUse the "Print Report Group" button below for your routine package of client reports. Change your preferred group by using the "Program Options" menu.˃rK$qh1U`'ab@c@hibtnPDFPDF[Event Procedure]HPreview Report nzB!2=d5W78`'abcLabel36 Print PDF Arial Narrow0#IlΨDetailmcurCostd Label2mintInflationd Label4d Label5h cmdCalculateh cmdPrinth  cmdClosed  Label17m intCareDurationd Label19d Label20m InvReturnh cmdPdf 026=Babc@ f,ghij*k^>,@Self Fund Calculator[Event Procedure]d2hgh MS Sans Serifm45n2o2` Detail m07U;`babc,i curCost$#,##0.00;($#,##0.00)Ariald5U`<abcd Label2Current Daily Cost:Arialm7U;`babc,i k intInflationAriald5U`<abcd Label4Inflation rate:Ariald5U`B abcd Label5%Arialh1U`a$ b@ci cmdCalculatecmdCalc[Event Procedure](p xp臀px   ArialHPreviewh1U`a$ b@cicmdPrintcmdCalc[Event Procedure](ڭ Ј  w   ڭڭArialHPrinth1U`a$ b@cicmdClosecmdCalc[Event Procedure](ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭArialHExitm07U;`ba8bc,i kintCareDurationGeneral NumberAriald5U`<a8bcd Label17Care Duration:Arialm7U;`babc,i k InvReturnAriald5U`<abcd Label19After Tax Investment Return:Ariald5U`B abcd Label20%Arialh1U`a$ b@chicmdPDFPDF[Event Procedure]ArialHPrintiyH@vr2LVAL+T$D 06=BCabcf,g-hTij6k[Event Procedure]u@tblConsultantsConsultant Information[Event Procedure][Event Procedure][Event Procedure]d2hgh MS Sans Serifm45p5`  FormHeaderp3U`ia&bc frmSetupSubForm.frmSetupSubd5U`<ab` cHlblAdminmClick to view/edit a consultant from the list, or use the buttons to the right to add and delete consultants.h1U` ab@c@icmdAdd Command30[Event Procedure](xwwwwwwwwwwwwwwwwwwwwwwwwpwwwwwwwpwwwpwwpwwpppwpwwwpwpwwwpwwpppwpwwwpwwpwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwH Add Recordd5U7` abcLabel31Addh1U`ab@c@i Command32 Command32[Event Procedure](ڭڭzwwq}}wqzwwqzwڭH Delete Recordd5U7` ab+cLabel33Deleteh1U2P`ab@c@i cmdPassword Command32[Event Procedure](ڭڭ ڭ0 ڭ0 ڭ803 ڭ 3 ڭڭH Delete Recordd5]7`;abWcLabel38 &Passwordd5UbcHlblHowToTo change your password, click on the password button below. You will have to enter your old password, then you will enter your new password twice. If you do not enter the same new password each time, your password will not be changed.h1U2X`ab@c@i cmdExpiration Command32[Event Procedure](ڭڭ ڭ0 ڭ0 ڭ803 ڭ 3 ڭڭHExtend Expiration Dated57`GabWcLabel43 E&xpiration` Detailm7U` abH eTfkAdvisorcName[Event Procedure]m7U` abefkclAddrclAddrm7U` ab4efkclCszclCszm7U` aefkclPhoneclPhone!\(999") "000\-0000;;_m7U` a efkclEmailclEmailm7U` aQ efkclFaxclFax!\(999") "000\-0000;;_m7U` abH efkcCompanycCompany[Event Procedure]m7U` aIepfk cCredentials cCredentialsm7Ubcididd5U`habcd eLabel13 Consultantd5U`haIbcd eLabel14 Credentialsd5U`habTcd eLabel15Companyd5U`habDcd eLabel16Addressd5U`habDcd eLabel17City/State/Zipd5U`habcd eLabel18Phoned5U`haQ bcd eLabel19Faxd5U`ha bcd eLabel20E-Mailm7U`,abk cNameCode cNameCodem7U`,a$ bk cCompanyCode cCompanyCodem7U`,aP bk cPassCode cPassCode=hashit("PASSWORD")` FormFooterh1U`a<b@c@ Command22 Command22[Event Procedure]( LVAL ڭ0ڭ030 ڠ30 3 ڠ30 D30 DD30 DDD30 DD3 D0 ڠ ڭH Close Formd5U`a|bcLabel23Finishedp3U45`\ axb$ c,dfrmPrintReportBWForm.frmPrintReportBWh1U` ab hi cmdUpdateNo Update Currently Available[Event Procedure]@6X . g  = X  c  e ~Kd1J0p|= b: ,N@,N@2  w ,N@,N@@?TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@0GQ+T$Blob2.*"  ,N@,N@1  w ,N@,N@@@TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@G+T$Blob2.*"  ,N@,N@0  w ,N@,N@Reports,($ w ,N@,N@r@!PropData:62"  ,N@,N@@!DirData:62" HB ,N@,N@ PropDataGC?/ HB ,N@,N@9  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@8  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@7  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@6  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@5  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@4  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@3  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@2  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@1  wHB ,N@,N@ PropDataGC?/ HB ,N@,N@0  wHB ,N@,N@Modules,($ wHB ,N@HB ,N@Cmdbars,($ wHB ,N@,N@@FDirData`:62" HB ,N@,N@@FTypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@ @FBlob2.*" HB ,N@,N@29`" wHB ,N@,N@@!TypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@h@ABlob2.*" HB ,N@,N@28`" wHB ,N@,N@u@!TypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@@ABlob2.*" HB ,N@,N@27`" wHB ,N@,N@k@ATypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@ @ABlob2.*" HB ,N@,N@26`" wHB ,N@,N@@BTypeInfo:62" HB ,N@,N@PropDataPLH8 HB ,N@,N@C+T$Blob2.*" /LVAL8!C."Print All" Includes:frmAboutfrmAddRec"frmCareCostCalc&frmChangePassword frmConsultants(frmConsultantsFormfrmCustomer&frmCustomerSelect$frmCustomerShort ,frmCustomerShortAddr "frmCustomerSpec frmDefaults "frmExpireUpdate frmHelpScreenfrmLoginfrmLoginNewfrmOptionsfrmPOMcalc frmPrintReport$frmPrintReportBWfrmRegisterfrmScenComp$frmSelectCompany"frmSelfFundCalcfrmSetupfrmSetupSubfrmSplash$frmSplashExpires&frmUpgradeLicenseͬ/9 SR *FormHeaderd Label1d Label11Detaild Label2d Label4d Label5d Label6jysnAcceptd  Label10 FormFooterh  cmdContinueh  cmdCancelh  cmdPrint 0=Babc$e g h ijf0kt"0Pf@Software Subscription AgreementAriald2hgh MS Sans Serifj1gh`  FormHeaderd5U7b$cdLabel1Software Subscription AgreementAriald5U7`ab$cd eLabel11]To continue, you must scroll to the end of the agreement text and check the box to accept it.Arial`$Detaild5Ub$cLabel2 Software Use Acknowledgement Do not use the software until you have carefully read this agreement, which provides the terms and conditions for its use. If you install the software, you indicate that you have read, understood, and accepted the term of this agreement.d5Ua8b$cDLabel4iPermitted Uses and Restrictions You are granted an individual, non-exclusive subscription to use the software for your personal use on up to three personal use computers, except as specifically authorized by the terms of use of multi-user versions of the software or other specific written agreements. You may not copy, sell, trade, or otherwise give to another person the ability to use this software or use it to create commercially useful documents for non- licensed individuals or groups. You may not attempt to reverse-engineer or modify the software, or otherwise use the software for any purpose other than that for which it is intended. The software subscription agreement does not imply or convey to any subscriber any form of ownership or rights to the programming or proprietary business practices contained in the LTC Economic Impact Planning Model software.d5Ua0 b$cLabel5DSuitability This software and associated services are provided "as-is" and, with the exception of the replacement of defective media, we disclaim all warranties, express or implied, regarding the software and associated services, including their fitness for a particular purpose, their quality, and their merchantability.d5Uab$cLabel6Liability Our entire liability for any reason shall be limited to the amount paid by the customer for the software subscription purchased from LTCi Decision Systems or from an authorized reseller. To the extent permitted by law, we are not liable for any indirect, special, incidental, or consequential damages, including damages for loss of business, loss of profits or investment, or such, whether based on breach of contract, breach of warranty, tort, negligence, product liability or otherwise.j2U`<ab ysnAccept[Event Procedure]0d5`"aDbcd eLabel10%I accept the terms of this agreement.Arial2` FormFooterh1U`a< cmdContinueContinue[Event Procedure]h1U`a<i cmdCancelCancel[Event Procedure]h1U`<a<icmdPrintPrint[Event Procedure]LVAL+T$H0:<=Babc8e h'i j9kc@[Event Procedure]Arial88h`S odXXLetterPRIV0''''\KhCKL *PDFCreator:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`W[Event Procedure] PageHeaderd78"` b$cdeLabel1Care Event Asset Consumptiond8"`aIbcd Label2 Attachment Bd7`<-abo cLabel78Note: See attached assumptions and detailed explanationm` CurInputFormd78"`Ca b@cJd eLabel31No Insurance && With Insurance`[Event Procedure]Detailr25ac4dChart1ࡱ> %Root EntryFټ`& CompObjdOle %Book Y$!"A ()*+,-./01456789:;<=>?@2Root EntryF95YR CompObjeOle %Book Y  !"#WoLVALIrkbook~AccessObjSiteData&8OlePres000T;2  B  3  '' "Arial-"Arial-"Arial-"Systemb"e@-----'- 2-- .---'--- 2- $##pp----'--- u$E E#####pp#FF##---'--- 2 #p#p---'--- 2 p-ppEEppFFpp#tptptptptptpt p t#p#t9p9tOpOtfpft|p|tptptptptptptpt.p.tDpDt[p[tqpqtptptptptptpt p t#p#---'--- .---'--- w'---'--- t'- -p ppppppp.pDp[pqppppR1  #9Of{|qg]RF:.-poonnmml.kDk[jqihgfbba a#`9`O`f_|_^^]]\\pppppppp.pDp[pqppppR1  #9Of{|qg]RF:.poonLVALJnmml.kDk[jqihgfbba a#`9`O`f_|_^^]]\\---'-- - w'---'-- - 2---'-- - 2---'-- - 3 2 h/ $0.0 Million  2 =/ $0.2 Million  2 / $0.4 Million  2 / $0.6 Million  2 / $0.8 Million  2 / $1.0 Million  2 h/ $1.2 Million  2 >/ $1.4 Million  2 / $1.6 Million  ---'-- - 2---'-- - 3  2 |1 2 |2 2 |3 2 |4 2 |5 2 |6 2 |7 2 |)8 2 |?9 2 |R10 2 |h11 2 |~12 2 |13 2 |14 2 |15 2 |16 2 |17 2 |18 2 |19 2 |020 2 |F21 2 |]22 2 |s23 2 |24 2 |25 2 |26 2 |27 2 |28 2 |29 2 |30---'-- - 2--------'-- - `K 12 OPlan Year Cumulative Dollars          -----'-- - 2---  ---'-- - ---'-- - - .B2 'Total Estate Consumed Without Insurance         .---'-- - ---'-- - - .62 Net Cost of Care With Insurance        .---'-- - ---'-- - 2---' ' ' ^fؘ?   !"#$LVALK885@ FMicrosoft Graph ChartGBiff5MSGraph.Chart.89q7@YI+a  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_ B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) "$"#,##0 00000 #,##0.0#,##0.0\ "Million""$"#,##0.0\ "Million"1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=0##0.0\ "Z ` 4!` X/` ,E!` (2` 0` 81 88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3& STUExpr10'Total Estate Consumed Without Insurance(Net Cost of Care With Insurance?X`?@ bGp?@v8Jwy?@̖p?@-@j?@Ҥt?@=WX? @D(b? "@  3?6@Jʽ?˳?7@YI+a?[?8@ z?{eު?9@ej? o}?:@wR~R??=@>DB?:8ط?>@Cup0?-$`tys?WYY8*= '>X4el3d23 M NM4 3Q R'Total Estate Consumed Without InsuranceQQQ3_ ! NM  MM<LVALL43_4E4 3Q BNet Cost of Care With InsuranceQQQ3_  NM  MM<43_4E4 3Q 3rd QtrQQQ3_ " NM  MM<43_4E4 3Q 4th QtrQQQ3_4E4D$% M3O&Q4$% M3O&Q4FA 2 3OS 3 bM&43*N#M& ! M4% S Q M3O &Q <Plan Year Cumulative Dollars'4523 M NM43" 1 3O3% M3O&Q423 M NM443_ M NM  MM<4444        -----'-- - 2---  ---'-- - ---'-- (@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1AArial1AArial1AArial=X> K=  8R3&STU1st Qtr2nd Qtr3rd Qtr4th Qtr Eastffffff4@ffffff;@V@ffffff4@ West>@LC@LA@?@ North33333F@33333sG@F@33333E@WY 2= '>X4?33Q  1st QtrQQE43Q  2nd QtrQQE43Q  3rd QtrQQE43Q  4th QtrQQE4D FA 3O 3#!  43*#! !  43" :d CH3O %3OQ423  44$%3O&Q43     4444  -'--u$E E#LVALM####pp#Workbook'AccessObjSiteData&8OlePres0003|  !"#$885@ FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q7@YI+a  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_ @B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) "$"#,##0 00000 #,##0.0#,##0.0\ "Million""$"#,##0.0\ "Million"1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=0##0.0\ "Z @` 4!` X/` ,E!` (2` 0` 81 88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3& S TUExpr10'Total Estate Consumed Without Insurance(Net Cost of Care With Insurance? '?@6?@2J?@YQi>?@#~j?@~?@:Ug? @]¡x? "@  -B;Y? $@  dU? &@  \!? (@  6? *@  .Q5?,@)B?.@9⪲?0@);.?o0@?1@㈵?g?2@n/?%#s m?3@.t%LVALN?#f?4@!?H#WDB?fY?>@Cup0?mˌoR^? ROPCup0?_{fI?WYY8*= '>X4el3d23 M NM4 3Q R'Total Estate Consumed Without InsuranceQQQ3_ ! NM  MM<43_4E4 3Q BNet Cost of Care With InsuranceQQQ3_  NM  MM<43_4E4 3Q 3rd QtrQQQ3_ " NM  MM<43_4E4 3Q 4th QtrQQQ3_4E4D$% M@3O&Q4$% M@3O&Q4FA 2 3OS 3 bM&43*N#M& ! M4% S Q M3O &Q <Plan Year Cumulative Dollars'4523 M NM43" 1 3O3% M3O&Q423 M NM443_ M NM  MM<4444  .---'-- - ---'-- - 2--' 2 '  'NANIT;2:  B   2''  "Arial[ ww 0w f-"Arial ww 0w f-"Arial[ qww 0w f--LVALO-"System f !-'- 2-- .---'--- 2- $##pp----'--- u$E E#####pp#FF##---'--- 2 #p#p---'--- 2 p-ppEEppFFpp#tptptptptptptptpt3p3tIpIt^p^ttpttptptptptptpt p t p t6p6tLpLtapatwpwtptptptptptpt p t#p#---'--- .---'--- w'---'--- t'- -p ppppppppppppp)p)p>p>pTpTpipippppppppRR11  ++AAVV{l{lqqgg]]RRFF::...-mkkhheebb__\\X)X)U>U>QTQTMiMiIIEEAA<<774433110+0+/A/A-V-V,l,l++))((&&%%$$""Zpppppppp)p>pTpippppR1 +AV{lqg]RF:..mkheb_\X)U>QTMiIEA<74310+/A-V,l+)(&%$LVALP"Z---'-- - w'---'-- - 2---'-- - 2---'-- - 3 2 h/ $0.0 Million  2 =/ $0.2 Million  2 / $0.4 Million  2 / $0.6 Million  2 / $0.8 Million  2 / $1.0 Million  2 h/ $1.2 Million  2 >/ $1.4 Million  2 / $1.6 Million  ---'-- - 2---'-- - 3  2 |1  2 |3  2 |5  2 |7  2 |99  2 |`11 2 |13 2 |15 2 |17 2 | 19 2 |821 2 |c23 2 |25 2 |27 2 |29 2 |ROP ---'-- - 2------'-- - `K 12 OPlan Year Cumulative Dollars          ----'-- - 2---  ---'-- - ---'-- - - .B2 'Total Estate Consumed Without Insurance         .---'-- - ---'-- - - .62 Net Cost of Care With Insurance      OQ423  44$%3O&Q43     4444  -'--u$E E#####pp# Table/QueryߵSELECT IIf([a]<255,[a],"ROP") AS Expr1, [g]/1000000 AS [Total Estate Consumed Without Insurance], [r]/1000000 AS [Net Cost of Care With Insurance] FROM tblTable ORDER BY tblTable.a;MSGraph.Chart.8Microsoft Graph 2000 Chartd8"`| abcJd elblDemo/Demonstration Program - For Evaluation Use Only` PageFooterd7`a+bcLabel4%Source: Spreadsheet, Columns G and R.m;`0aText5=Date()m;`)ab kText8"=SSN(Forms([CurInputForm])![aSSN])m;<"`)ab jkText13q=ne(Forms([CurInputForm])![aFirst])+" "+ne(Forms([CurInputForm])![amiddle])+" "+ne(Forms([CurInputForm])![alast])000\-00\-0000;;_m;<"`)ab jkText18Z=ne(IIf(Forms([CurInputForm])![Scenario]>"","Scenario "+Forms([CurInputForm])![Scenario]))000\-00\-0000;;_m<"`ab cikText20 =Fg LVALw ooter4()m;<"`Iaub$ci jkText93=ne(Forms([CurInputForm])![Consultant].[Column](1))m;<"`Iadb$ckText173=ne(Forms([CurInputForm])![Consultant].[Column](3))m;<"`Iab$ckText193=ne(Forms([CurInputForm])![Consultant].[Column](2))m;<"`IaEb$ckText223=ne(Forms([CurInputForm])![Consultant].[Column](4))m;<"`Ia&b$ck Text23ݭ=Phone(Forms([CurInputForm])![Consultant].[Column](5))+ne(IIf(Forms([CurInputForm])![Consultant].[Column](6)>""," - ",""))+ne(Forms([CurInputForm])![Consultant].[Column](6))d7`)ab cPageNumPage Xm<"`aEb<cik Text29 =Footer2()m<"`asbcik Text30 =Footer1()m<"`ab cik Label14 =Copyright()d8"b8c lblDisclaimerThis is an illustration only.An illustration is not intended to predict actual performance. Interestrates,dividends, premiums, values, benefits and costs of care and similar terms usedin this illustration are hypothetical and not guaranteed. This illustration isnot valid without a complete set of pages. Premium investment cost calculated to premium break even. This illustration ID is h(CM1LVAL+T$R0:<=Babc@8e h ijHk;.57@[Event Procedure]Arial8@@8h`S odXXLetterPRIV0''''\KhCKL *PDFCreator:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`[Event Procedure] PageHeaderd8"`abc;d Label2 Attachment Dd7`,abo cLabel78Note: See attached assumptions and detailed explanationd78"` abcdeLabel1Key Economic Impact Projectionsm`a CurInputForm`[Event Procedure]Detailr2ac81dChart1::ࡱ> Root EntryRoot EntryFPޏZR@CompObj4dOle XBook 6Y WorkbookLVALS AccessObjSiteData&8OlePres000P!Te:(     5.''  "Arial---"System-'- 5.-'- 5. "- "--'-- *4 ))AA)){{)99)--'-- 5.--'-- 1*--'-- *8--'-- ,6 "--  $$7nn 7 7$$D{{DD$___---'--- *8---'--- 5. "-9 AA{{99)))---'--- 5."Arial------'---   2  -1,229,359----'--- 5.-----'--- $k : 2 =-81,636----'--- 5.-----'---  2 -18,286----'--- 5.-----'--- !xG 2 J-63,350----'--- 5.-----'--- ^E 2 I 1,211,073----'--- 5.----'--- 6/ 2 ' -$1,500,000   2 z' -$1,000,000   2 84 -$500,000  2 j$0 2 9$500,000  2 r, $1,000,000   LVALT2 0, $1,500,000   ---'--- 5.---'--- 6/ 2  No Insurance   2 With Insurance   2 Self Paid Care     2 =Premium   2 Benefits  ---'--- 5.-----'--- %s "Arial-2  'Asset Erosion - Asset Retention-----'--- 5.--' 5. '  ' '  '  !"#$%&'()*+,-./01235789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVW88 A@B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" "$"#,##01Arial1Arial1Arial1Arial1Arial1Arial1Arial=Y,+ ##0.0\ " A@88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3&STUCategoryValue No Insurancez.2With Insurance?W[BSelf Paid Care\mŊPremiumBenefitsZdz2AWYY3")= '>X4b 3[dd 3Q ValueQQQ3_  '  d 4E4 3Q 2Total Cost of InsuranceQQQ3_    d4E4 3Q H"Total Impact of Insurance BenefitsQQQ3LVALU_  332  d4E4 3Q 4th QtrQQQ3_    d4E4D$% M 3O&Q4$% M 3O&Q4FA}  3O 3 boM&43*N#M&! M4% MZ3O&Q R'Asset Erosion - Asset Retention'43" 3_  NM  d444% M3O&Q'44 U1st Qtr FMicrosoft Graph 2000GBiff5MSGraph.Chart.89qfff;@V@  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1AArial1AArial1AArial=X> K=  8R3&STU1st Qtr2nd Qtr3rd Qtr4th Qtr Eastffffff4@ffffff;@V@ffffff4@ West>@LC@LA@?@ North33333F@33333sG@F@33333E@WY 2= '>X4?33Q  1st QtrQQE43Q  2nd QtrQQE43Q  3rd QtrQQE43Q  4th QtrQQE4D FA 3O 3#!  43*#! !  43" :d CH3O %3OQ423  44$%3O&Q43     4444  Z\LVALl Table/QueryLSELECT tblGraph.Category, tblGraph.Value FROM tblGraph ORDER BY tblGraph.id;MSGraph.Chart.8Microsoft Graph 2000 Chartd8"` abcJd elblDemo/Demonstration Program - For Evaluation Use Onlym`kintPages=[Pages]` PageFooterm<"`ab ciText20 =Footer4()d7`aIb cLabel4.Source: Spreadsheet, Columns G, L, Q, and R. m;<"`Yab$ci jkText93=ne(Forms([CurInputForm])![Consultant].[Column](1))m;<"`Yadb$ckText173=ne(Forms([CurInputForm])![Consultant].[Column](3))m;<"`Yab$ckText193=ne(Forms([CurInputForm])![Consultant].[Column](2))m;<"`YaEb$ckText223=ne(Forms([CurInputForm])![Consultant].[Column](4))m;<"`Ya&b$ckText23ݭ=Phone(Forms([CurInputForm])![Consultant].[Column](5))+ne(IIf(Forms([CurInputForm])![Consultant].[Column](6)>""," - ",""))+ne(Forms([CurInputForm])![Consultant].[Column](6))m;`1a kText5=Date()m;`*ab kText8"=SSN(Forms([CurInputForm])![aSSN])m;<"`*ab jkText13q=ne(Forms([CurInputForm])![aFirst])+" "+ne(Forms([CurInputForm])![amiddle])+" "+ne(Forms([CurInputForm])![alast])000\-00\-0000;;_m;<"`*ab jk Text18Z=ne(IIf(Forms([CurInputForm])![Scenario]>"","Scenario "+Forms([CurInputForm])![Scenario]))000\-00\-0000;;_d7`*ab cPageNumPage Xm<"`aEb<cik Text29 =Footer2()m<"`asbcik Text30 =Footer1()m<"`ab cik Label14 =Copyright()d8"b8c lblDisclaimerThis is an illustration only.An illustration is not intended to predict actual performance. Interestrates,dividends, premiums, values, benefits and costs of care and similar terms usedin this illustration are hypothetical and not guaranteed. This illustration isnot valid without a complete set of pages. Premium investment cost calculated to premium break even. This illustration ID is C.{@B/oLVAL+T$W0:<=Babc?*e hiXjF2k81(n@[Event Procedure]Arial8@h@?*-h`S odXXLetterPRIV0''''\KhCKL *PDFCreator:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`[Event Procedure] PageHeaderd78"`bcdeLabel1+Economic Impact of Benefit Design Decisionsd7` a,bo cLabel78Note: See attached assumptions and detailed explanationma CurInputFormd78"`KabcJd eLabel31Care Cost, Benefits and Premiummb ckintPages=[Pages]`-[Event Procedure]Detailr25b<c0*dChart1vvࡱ>  Root EntryFШz,o!CompObjdOle cBook AY9#$%&'()*,-./012345678Root EntryFГ CompObjdOle cBook AY D:;<=>?@ABCLVALXWorkbookAccessObjSiteData&8OlePres000HBCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`ab88a FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" @B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" "$"#,##01Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=r$##0.0\ " @88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3&STUExpr1 Care CostBenefitsPremium0@WAP@,ebA1@AaA,ebdA2@PgAA,ebA3@#A(c#A,ebSA4@L)An)A,ebDA5@,50A`/A,eb"A6@$0Ao0A,ebA7@1AK1A,eb$A 8@ B;2A 1A ,ebYA 9@ 2A  2A ,ebdA :@ 3A t3A ,eb)A ;@ 4A ;4A ,ebA <@ T5A  5A ,ebDA=@o.6A~5A,eb_A>@7A6A,ebAWYYc3"= '>X4;33d 3Q  Care CostQQQ3_LVALY    d4E4 3Q BenefitsQQQ3_  31  d4E4 3Q PremiumQQQ3_    d4E4 3Q 4th QtrQQQ3_    d4E4D$% M@3O&Q4$% M@3O&Q4FA w 3O 3 boM&43*N#M&! M4% >S DHM 3O!&Q J#End of Plan Year Cumulative Dollars'43" 5 N w3O6 % M3O&Q423 M NM443_  NM  d4444 -- - ci---'-- - ci "- -   }q  .2 }Premium   .---'5Jz*  <   ''  "Arial ݜww 0w f-"Arial ww 0w f--"Arialq ww 0w f---"System f !-'- -'- ---'-- (&_ci` ````i`iJ`J+`+--'-- ci--'-- --'-- --'-- %*_--'-- $(_--  $g p p#g#g $##$##$##$ # #  "$"#,##01Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=r$##0.0\ " A@88 ``iLVALZ̜̙3f3333f3ffff333ff333f33f33BBB\R3&S TUExpr1 Care CostBenefitsPremium4@AЪA0L q@5@A'A0L @6@6!AH!A0L @7@C(A'A0L *@8@</Aʤ.A0L @9@E%3A 2A0L P@:@E%3A 2A0L @;@E%3A 2A0L v@ <@ E%3A  2A 0L  @ =@ E%3A  2A 0L @ >@ E%3A  2A 0L /@WYYc3"= '>X4;33d  3Q  Care CostQQQ3_    d4E4  3Q BenefitsQQQ3_  31  d4E4  3Q PremiumQQQ3_    d4E4 3Q 4th QtrQQQ3_    d4E4D$% M 3O&Q4$% M 3O&Q4FA w 3O 3 boM&43*N#M&! M4% >S DHM 3O!&Q J#End of Plan Year Cumulative Dollars'43" 5 N w3O6 % M+3O&Q423 M NM443_  NM  d4444  3* FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q3  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1AArial1AArial1AArial=X> K=  8R3&STU1st Qtr2nd Qtr3rd Qtr4th Qtr Eastffffff4@ffffff;@V@ffffff4@ West>@LC@LA@?@ North33333F@33333sG@LVAL[F@33333E@WY 2= '>X4?33Q  1st QtrQQE43Q  2nd QtrQQE43Q  3rd QtrQQE43Q  4th QtrQQE4D FA 3O 3#!  43*#! !  43" :d CH3O %3OQ423  44$%$5~>~>#5#5~$^xgxg#^#^x$qq##q$jj##j$bb##b$[ [ ##[$+S4S4#+#+S$UJ^J^#U#UJ$~BB#~#~B$99##93-3$pyy#p#p$##$##$##$##$>GG#>#>$gzpzp#g#gWorkbook"AccessObjSiteData&8OlePres000+$BCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`ab88a FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" @B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" "$"#,##01Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=r$##0.0\ " @88 ``i̜LVAL\̙3f3333f3ffff333ff333f33f33BBB\R3&STUExpr1 Care CostBenefitsPremium0@WAP@aӫ{A1@AaAգnA2@PgAA7A3@#A(c#A'A4@L)An)AՏA5@,50A`/A;A6@$0Ao0A7A7@1AK1AՓA 8@ B;2A 1A ?A 9@ 2A  2A GA :@ 3A t3A ՗A ;@ 4A ;4A CA <@ T5A  5A WA=@o.6A~5A՛A>@7A6AG A ROP7A6A`V@WYYc3"= '>X4;33d 3Q  Care CostQQQ3_    d4E4 3Q BenefitsQQQ3_  31  d4E4 3Q PremiumQQQ3_    d4E4 3Q 4th QtrQQQ3_    d4E4D$% M@3O&Q4$% M@3O&Q4FA w 3O 3 boM&43*N#M&! M4% >S DHM 3O!&Q J#End of Plan Year Cumulative Dollars'43" 5 N w3O6 % M3O&Q423 M NM443_  NM  d4444 5Jz*  <   ''  "Arialo Cww 0w f -"Arial Dww 0w f --"Arial ww 0w f ---LVAL]"System f !-'- -'- ---'-- (&_ci` ````i`iJ`J+`+--'-- ci--'-- --'-- --'-- %*_--'-- $(_--  $f o o#f#f $##$##$##$  ##$'~/~/#'#'~$MxVxV#M#Mx$tq}q}#t#tq$jj##j$bb##b$[[##[$SS##S$5J=J=#5#5J$[BdBd#[#[B$99##9$99##93-3$oww#o#o$##$##$##$ # # $/88#/#/$Vz^z^#V#Vz$}ss#}#}s$ll##l$ee##e$]]##]$UU##U$=MFMF#=#=M$dElEl#d#dE$<<##<$<<##<-$w#w#w$##$##$##$##$8@@#8#8$^gg#^#^$##$##$##$##$((##$FNN#F#F$luu#l#l$##$##---'--- %*_---'--- -+` #`-#]#`]`]`]`]`]`i]i`J]J`+]+`#`#-(`#`(#(#(#(#(!#!(G#G(n#n(#(#(#(#(/#/(U#U(|#|(#(#---'--- ----'---    2 L$02 +$200,0002 +$400,0002 +$600,0002 +$800,0002 " $1,000,0002 b" $1,200,0002 C" $1,400,0002 $" $1,600,000---'--- ----'---  LVAL^ 2 2j16 2 218 2 220 2 2R22 2 224 2 226 2 2928 2 230 ---'--- ------'--- bA@ <2 F#End of Plan Year Cumulative DollarsF            ----'--- - ci---'--- ci---'--- ci--  }q .2 } Care Cost0   .---'--- ci---'--- ci- 3- 3 }cqW .2 }hBenefits  .---'---  ci---'---  ci- -   }q  .2 }Premiums   .---'-- - ci---'-- - - -'  '  'NANI---'--- ci- 3- 3 }cqW .2 }hBenefits  .---'---  ci---'---  3O&Q43     4444  Arial1r$##0.0\ " A@88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\ Table/QuerySELECT IIf([a]<255,[a],"ROP") AS Expr1, tblTable.g AS [Care Cost], tblTable.q AS Benefits, tblTable.l AS Premium FROM tblTable WHERE (((tblTable.a)>=DMin("a","tblTable","g>0"))) ORDER BY tblTable.a;MSGraph.Chart.8Microsoft Graph 2000 Chartd8"`a3bcwdeLabel371Economic Impact of Care Cost, Benefit and Premiumd8"`@ ab@ c,d eLabel40First Column: Care Costd8"`ab cd eLabel41End of Plan Periodd8"`a*!b'c d lblExplainThis chart illustrates the cumulative cost of care, value of benefits, and the cost of premium over time. The premium amount in the first year of the chart is the cumulative premium from plan year one thru the first year of the care event. The chart begins with the first year of care and illustrates cumulative estate impact of care costs, insurance benefits aLVAL,nd premium cost each year to the end of the plan period. Potential use of this information is to help determine if the benefit design in this scenario creates the optimum mix of self-funding and insurance benefits relative to premium. Note: Premium Break-Even is the point in time claims paid equals premium paid including loss of investment opportunity on premium. The premium break-even also represents the amount of care that could be purchased if premium dollars had been invested in a side fund with the same after tax rate of return and other assumptions used in this scenario. %RChart Data Source: Spreadsheet, Columns G, L and Q; and, Benefits && Premium Report d8"`@ ab@ c,d eLabel44Middle Column: Benefitsd8"`@ a[b@ c,d eLabel45Right Column: Premiumm0<"`abTc;i kText43=DLast("g","tblTable")$#,##0.00;($#,##0.00)m0<"`abTc;i kText46=DLast("q","tblTable")$#,##0.00;($#,##0.00)m0<"`aLbTc;i kText47=DLast("l","tblTable")$#,##0.00;($#,##0.00)d8"`abcd Label48Chart Explanationd8"`LajbhchdelblStard8"`@ ab c,d eLabel52Premium Break-Even Daysm;<"`abc,i kLabel51r=DLookUp("RepayDays","tblPassVars") & "/" & (DLookUp("RepayDays","tblPassVars")+Forms([CurInputForm])![DedPeriod])d8"`ab c;d Label53(Claim Days/Care Days)`[Event Procedure] PageFooterm<"ab ciText20 =Footer4()m;<"` avbci jkText93=ne(Forms([CurInputForm])![Consultant].[Column](1))m;<"` a8bcikText173=ne(Forms([CurInputForm])![Consultant].[Column](3))m;<"` afbcikText193=ne(Forms([CurInputForm])![Consultant].[Column](2))m;<"` a bcikText223=ne(Forms([CurInputForm])![Consultant].[Column](4))m;<"` abcikText23ݭ=Phone(Forms([CurInputForm])![Consultant].[Column](5))+ne(IIf(Forms([CurInputForm])![Consultant].[Column](6)>""," - ",""))+ne(Forms([CurInputForm])![Consultant].[Column](6))m;<"`#avcikText5=Date()m;<"`aHb cjkText8"=SSN(Forms([CurInputForm])![aSSN])m;<"`ab cjkText13q=ne(Forms([CurInputForm])![aFirst])+" "+ne(Forms([CurInputForm])![amiddle])+" "+ne(Forms([CurInputForm])![alast])000\-00\-0000;;_m;<"`ab cik Text18Z=ne(IIf(Forms([CurInputForm])![Scenario]>"","Scenario "+Forms([CurInputForm])![Scenario]))000\-00\-0000;;_m<"`abcik Text29 =Footer2()m<"abcik Text30 =Footer1()m<"ab cik Label14 =Copyright()d78"`ab cdPageNumPage Xdb|)c lblDisclaimerThis is an illustration only.An illustration is not intended to predict actual performance. Interestrates,dividends, premiums, values, benefits and costs of care and similar terms usedin this illustration are hypothetical and not guaranteed. This illustration isnot valid without a complete set of pages. Premium investment cost calculated to premium break even. This illustration ID is %LYH/5X 0 k  C `  k 8 C  h@yOj%u@Kn!,N@,N@0 @Blob/2.*" ,N@,N@/15" w,N@,N@.@TypeInfo+:62" ,N@,N@-PropData+PLH8 ,N@,N@,+T$Blob+2.*" ,N@,N@+14" w,N@,N@*@TypeInfo':62" ,N@,N@)PropData'PLH8 ,N@,N@(eV+T$Blob'2.*" ,N@,N@'13" w,N@,N@&@TypeInfo#:62" ,N@,N@%PropData#PLH8 ,N@,N@$*p+T$Blob#2.*" ,N@,N@#12" w,N@,N@"@TypeInfo:62" ,N@,N@!PropDataPLH8 ,N@,N@ +T$Blob2.*" ,N@,N@11" w,N@,N@z+T$TypeInfo:62" ,N@,N@PropDataPLH8 ,N@,N@V+T$Blob2.*" ,N@,N@10" w,N@,N@ @TypeInfo:62" ,N@,N@PropDataPLH8 ,N@,N@+T$Blob2.*" ,N@,N@9  w,N@,N@@zTypeInfo:62" ,N@,N@PropDataPLH8 ,N@,N@״+T$Blob2.*" ,N@,N@8  w,N@,N@:@zTypeInfo:62" ,N@,N@PropDataPLH8 ,N@,N@+T$Blob2.*" ,N@,N@7  w,N@,N@@zTypeInfo :62"  ,N@,N@ PropData PLH8  ,N@,N@ {+T$Blob 2.*"  ,N@,N@ 6  w ,N@,N@ @zTypeInfo:62"  ,N@,N@ PropDataPLH8  ,N@,N@lo+T$Blob2.*"  ,N@,N@5  w ,N@,N@@?TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@@Jj+T$Blob2.*"  ,N@,N@4  w ,N@,N@@@?TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@``+T$Blob2.*"  ,N@,N@3  w ,N@,N@@?TypeInfo:62"  ,N@,N@PropDataPLH8  ,N@,N@V+T$Blob2.*" LVAL+T$a0:<=Babc0*e hiXj72k81b->u@[Event Procedure]Arial8@@0*,h`S odXXLetterPRIV0''''\KhCKL *PDFCreator:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`W[Event Procedure] PageHeaderd78"`bcdeLabel1Care Event Asset Consumption d7` a,bo cLabel78Note: See attached assumptions and detailed explanationma CurInputFormd78"`Da bcJd eLabel31No Insurance && With Insurancemb ckintPages=[Pages]`,[Event Procedure]Detail r25c0*dChart1ࡱ> $Root EntryF2 % CompObjdOle %Book Y# !?'()*+,-./23456789:;<=>0Root EntryF4_R CompObjdOle %Book Y  !"WorkbooLVALbkAccessObjSiteData&8OlePres000D%  1   g''  "Arial-"Arial-"Arial---"System-'- g "-- d "---'--- g "- $ttt "----'--- sb?^t tt|t|[t[9t9t---'--- gb?^t tt---'--- gt t-qtqtqtqt|q|t[q[t9q9tqtttt&&88JJ[[mm  11CCUUffxx---'--- c---'--- q---'--- q- "-}   //AASSddvv{{ttmmff^(^(V:V:MLMLD^D^;o;o1 "-}  //AASSddvv((::LVALcLL^^oo} /ASdv{tmf^(V:MLD^;o1} /ASdv(:L^o---'--- q---'--- g---'--- g---'--- h 2 ) $0.0 Million 2 ) $0.5 Million 2 ) $1.0 Million 2 ) $1.5 Million 2 u) $2.0 Million 2 T) $2.5 Million 2 2) $3.0 Million 2 ) $3.5 Million ---'--- g---'--- h  2 y1 2 3 2 5 2 7 2 9 2 (11 2 L13 2 o15 2 17 2 19 2 21 2 23 2 !25 2 E27 2 h29---'--- g------'--- 1 12 "Plan Year Cumulative Dollars    ----'--- g- "-`\- c?^---'--- b?^---'--- b?^ "-Q QQ.2 X No Insurance   .---'--- b?^---'--- b?^ "-Q QQ.2 XWith Insurance   .---'--- b?^---'--- g--' g '  'MM<4444   !"#$LVALd88 FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_ A@B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) "$"#,##0 00000 #,##0.0#,##0.0\ "Million""$"#,##0.0\ "Million"1Arial1Arial1Arial1iArial1Arial1_Arial1Arial1Arial1Arial1Arial='##0.0\ "Z A@` 4!` X/` ,E!` 0` 81 88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3& STUExpr1 No InsuranceWith Insurance?g uz?@5_%?@ ڔ?@.?@BsF?@ 0,?@S? @N#-? "@  QۆQ@oC@ˆ}(F?WYYc3#= '>X4? 3d=23 M NM4 3Q  No InsuranceQQQ3_ ! NM  MM<43_4E4 3Q  With InsuranceQQLVALeQ3_  NM  MM<43_4E4 3Q 3rd QtrQQQ3_ " NM  MM<43_4E4 3Q 4th QtrQQQ3_4E4D$% M 3O&Q4$% M 3O&Q4FA n 3Os 3 bM&43*N#M& ! M4% [ M3O&Q <Plan Year Cumulative Dollars'4523 M NM43"  t 3O  % M+3O&Q423 M NM443_ M NM  MM<4444 (@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1AArial1AArial1AArial=X> K=  8R3&STU1st Qtr2nd Qtr3rd Qtr4th Qtr Eastffffff4@ffffff;@V@ffffff4@ West>@LC@LA@?@ North33333F@33333sG@F@33333E@WY 2= '>X4?33Q  1st QtrQQE43Q  2nd QtrQQE43Q  3rd QtrQQE43Q  4th QtrQQE4D FA 3O 3#!  43*#! !  43" :d CH3O %3OQ423  44$%3O&Q43     4444  --- bA@ <2 F#End of Plan Year Cumulative Dollars            ---Workbook&AccessObjSiteData&8OlePres0001LVALf  !"#$88 FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_ @B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) "$"#,##0 00000 #,##0.0#,##0.0\ "Million""$"#,##0.0\ "Million"1Arial1Arial1Arial1iArial1Arial1_Arial1Arial1Arial1Arial1Arial='C##0.0\ "Z @` 4!` X/` ,E!` 0` 81 88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3& STUExpr1 No InsuranceWith Insurance?PV W@|?@pwnЌ?@ ?@6h?@t ?@?il?@dsDB?LVALgn?>@Cup0?ǡO?WYYc3#= '>X4? 3d=23 M NM4 3Q  No InsuranceQQQ3_ ! NM  MM<43_4E4 3Q  With InsuranceQQQ3_  NM  MM<43_4E4 3Q 3rd QtrQQQ3_ " NM  MM<43_4E4 3Q 4th QtrQQQ3_4E4D$% M@3O&Q4$% M@3O&Q4FA n 3Os 3 bM&43*N#M& ! M4% [ M3O&Q <Plan Year Cumulative Dollars'4523 M NM43"  t 3O  % M3O&Q423 M NM443_ M NM  MM<4444 *V-' g '  'NANIWP Greek HelveNormalLdv &uXX @D%L & 1   g''  "Arial !ww 0wHfo-"Arialp &ww 0wHfo-"Arial ww 0wHfo---"SystemHfo !-'- g-- d---'--- g- $ttt----'--- sb?^t tttotoRtR5t5t---'--- gb?^t tt---'--- gt t-LVALhqtqtqtqtqtoqotRqRt5q5tqtttt&&88JJ[[mm  11CCUUffxx---'--- c---'--- q---'--- q- -}   //AASSddvvff``ZZSSL(L(E:E:=L=L5^5^-o-o%-}  //AASSddvv((::LL^^oo} /ASdvf`ZSL(E:=L5^-o%} /ASdv(:L^o---'-- - q---'-- - g---'-- - g---'-- - h 2 ) $0.0 Million 2 ) $0.2 Million 2 ) $0.4 Million 2 ) $0.6 Million 2 ) $0.8 Million 2 h) $1.0 Million 2 K) $1.2 Million 2 .) $1.4 Million 2 ) $1.6 Million ---'-- - g---'-- - h  2 y1  2 LVALi3  2 5  2 7  2 9  2 (11 2 L13 2 o15 2 17 2 19 2 21 2 23 2 !25 2 E27 2 h29---'-- - g------'-- - 1 12 "Plan Year Cumulative Dollars    ----'-- - g---  c?^---'-- - b?^---'-- - b?^-Q QQ.2 X No Insurance   .---'-- - b?^---'-- - b?^-Q QQ.2 XWith Insurance   .---'-- - b?^---'-- - g-OQ423  44$%3O&Q43     4444  --- bA@ <2 F#End of Plan Year Cumulative Dollars            --- Table/Query߉SELECT IIf([a]<255,[a],"ROP") AS Expr1, [g]/1000000 AS [No Insurance], [r]/1000000 AS [With Insurance] FROM tblTable ORDER BY tblTable.a;MSGraph.Chart.8Microsoft Graph 2000 Chartd8"`ab'cd lblExplainxThe above chart illustrates the relationship of cumulative wealth consumed due to the care event if fully self funded versus insuring some or all of the insurable risk. The chart illustrates the cumulative impact beginning in the first plan year and continuing to show the cumulative impact for each year to the end of the plan period. The line without insurance includes all assumptions and data relative to this scenario including loss of investment opportunity on funds spent on care costs, asset liquidation and tax factors relative to care costs. %T The line with insurance includes all assumptions and data relative to insurance premiums and the remaining self funding due to the insurable but not covered care costs. For example, self-funded costs include the future value of the elimination period and other forms of co-payment or partial coverage. Note: At the point in the chart where the two lines cross, the estate erosion due to the care event exceeds the combined cost of insurance and self-funding resulting from the insurance benefit design in this scenario. Chart Data Source: Spreadsheet, Columns G and R. d8"`a|b c,d Label38Chart Explanation d8"`abcwdeLabel39Care Event Asset Consumption d8"`abc;d eLabel40End of Plan Periodd8"` abc;d eLabel41 No Insuranced8"`abSc;d eLabel42With Insurancem0;<"`abTc;i jkText43=DLast("g","tblTable")$#,##0.00;($#,##0.00)m0;<"`8"abTc;i jkText45=DLast("r","tblTable")$#,##0.00;($#,##0.00)`[Event Procedure] PageFooterm<"ab ci LVAL Text20 =Footer4()m;<"` abci jkText93=ne(Forms([CurInputForm])![Consultant].[Column](1))m;<"` aVbcikText173=ne(Forms([CurInputForm])![Consultant].[Column](3))m;<"` abcikText193=ne(Forms([CurInputForm])![Consultant].[Column](2))m;<"` a(bcikText223=ne(Forms([CurInputForm])![Consultant].[Column](4))m;<"` abcikText23ݭ=Phone(Forms([CurInputForm])![Consultant].[Column](5))+ne(IIf(Forms([CurInputForm])![Consultant].[Column](6)>""," - ",""))+ne(Forms([CurInputForm])![Consultant].[Column](6))m;<"`#acikText5=Date()m;<"`afb cjkText8"=SSN(Forms([CurInputForm])![aSSN])m;<"`a8b cjkText13q=ne(Forms([CurInputForm])![aFirst])+" "+ne(Forms([CurInputForm])![amiddle])+" "+ne(Forms([CurInputForm])![alast])000\-00\-0000;;_m;<"`a b cik Text18Z=ne(IIf(Forms([CurInputForm])![Scenario]>"","Scenario "+Forms([CurInputForm])![Scenario]))000\-00\-0000;;_m<"`ab|cik Text29 =Footer2()m<"abcik Text30 =Footer1()m<"ab cik Label14 =Copyright()d78"`ab cdPageNumPage Xdb|)c lblDisclaimerThis is an illustration only.An illustration is not intended to predict actual performance. Interestrates,dividends, premiums, values, benefits and costs of care and similar terms usedin this illustration are hypothetical and not guaranteed. This illustration isnot valid without a complete set of pages. Premium investment cost calculated to premium break even. This illustration ID is eFEofKLVAL+T$k0:<=Babc8e hijAk/N@[Event Procedure]Arial8@@8h`S odXXLetterPRIV0''''\KhCKL *PDFCreator:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`[Event Procedure] PageHeaderd8"`a<bc;d Label2 Attachment Cd7`,abo cLabel78Note: See attached assumptions and detailed explanationd78"`b#cdeLabel1+Economic Impact of Benefit Design Decisionsm`a CurInputFormd78"` a:b cJd eLabel9!Care Costs, Benefits, and Premium`[Event Procedure]Detailr2ac81dChart1<<ࡱ> Root EntryRoot EntryFX`RCompObj;dOle _Book =Y LVALlWorkbookgAccessObjSiteData&8OlePres000!T4 @ B   .''  "Arial-"Arial-"Arial---"System-'- .-'- . "- "--'-- *1 X X))))pp)66)--'-- . --'-- .--'-- *--'-- *5--'-- ,3 "--  $```$!(?(?!!($$0NN00$\\\3-3$```$?(](]??($$NllNN$\\\-$bbb$]b{b{]]b$bbb$lbbllb$bbb---'--- *5---'--- . "- 6 -~X~X~~~p~p6~6)  ))---'---  .---'---  /   2 d$0 2 O3$200,000  2 3$400,000  2 3$600,000  2 3$800,000  2 g& $1,000,000   2 -& $1,200,000   ---'---  .---'---  /  2 22 2 E23 2 24 2 U25 2 26 ---'---  .------'---  - <2 1#End of Plan Year Cumulative Dollars            ----'---  LVALm.--  ---'---   ---'---   "-  -   .B2  'Total Estate Consumed Without Insurance           .---'---   ---'---   "- 3`\-  3 YO .92 ]!Total Value of Insurance Benefits         .---'-- -  ---'-- -  "- -   XN .*2 \Total Cost of Insurance       .---'---   ---'---  .-- ' . '  'M+3O&Q423 M NM443_  NM  d4444 PH pGZ  =C:\DOCUME~1\nick\MYDOCU~  !"#$%&'()*+,-./0123456789:<>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^88velo A@B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)"$"#,##0.0\ "Million" "$"#,##01Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=,##0.0\ " A@88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3&STUExpr10'Total Estate Consumed Without Insurance*!Total Value of Insurance Benefits Total Cost of Insurance6@p Ap A:A7@5A5Ah@A8@!LVALnA!Ah@A9@(A(Ah@A:@ M0A M0Ah@AWYY3")= '>X4b|3[dd 3Q R'Total Estate Consumed Without InsuranceQQQ3_    d4E4 3Q F!Total Value of Insurance BenefitsQQQ3_  31  d4E4 3Q 2Total Cost of InsuranceQQQ3_    d4E4 3Q 4th QtrQQQ3_    d4E4D$% M 3O&Q4$% M 3O&Q4FAj6 3O  3 boM&43*N#M&! M4%  ( M 3O5&Q J#End of Plan Year Cumulative Dollars'43" &s3O)t% M+3O&Q423 M NM443_  NM  d4444  FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)4+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)1AArial1AArial1AArial=X> K=  8R3&STU1st Qtr2nd Qtr3rd Qtr4th Qtr Eastffffff4@ffffff;@V@ffffff4@ West>@LC@LA@?@ North33333F@33333sG@F@33333E@WY 2= '>X4?33Q  1st QtrQQE43Q  2nd QtrQQE43Q  3rd QtrQQE43Q  4th QtrQQE4D FA 3O 3#!  43*LLVAL\#! !  43" :d CH3O %3OQ423  44$%3O&Q43     4444  8<8 Table/QuerySELECT IIf([a]<255,[a],"ROP") AS Expr1, tblTable.g AS [Total Estate Consumed Without Insurance], tblTable.q AS [Total Value of Insurance Benefits], tblTable.l AS [Total Cost of Insurance] FROM tblTable WHERE (((tblTable.a)>=DMin("a","tblTable","g>0"))) ORDER BY tblTable.a;MSGraph.Chart.8Microsoft Graph 2000 Chartd8"` abcJd elblDemo/Demonstration Program - For Evaluation Use Onlym`kintPages=[Pages]` PageFooterm<"`ab ciText20 =Footer4()d7`a:bcLabel4)Source: Spreadsheet, Columns G, L, and Q.m;<"`Yab$ci jkText93=ne(Forms([CurInputForm])![Consultant].[Column](1))m;<"`Yadb$ckText173=ne(Forms([CurInputForm])![Consultant].[Column](3))m;<"`Yab$ckText193=ne(Forms([CurInputForm])![Consultant].[Column](2))m;<"`YaEb$ckText223=ne(Forms([CurInputForm])![Consultant].[Column](4))m;<"`Ya&b$ckText23ݭ=Phone(Forms([CurInputForm])![Consultant].[Column](5))+ne(IIf(Forms([CurInputForm])![Consultant].[Column](6)>""," - ",""))+ne(Forms([CurInputForm])![Consultant].[Column](6))m;`1a kText5=Date()m;`*ab kText8"=SSN(Forms([CurInputForm])![aSSN])m;<"`*ab jkText13q=ne(Forms([CurInputForm])![aFirst])+" "+ne(Forms([CurInputForm])![amiddle])+" "+ne(Forms([CurInputForm])![alast])000\-00\-0000;;_m;<"`*ab jk Text18Z=ne(IIf(Forms([CurInputForm])![Scenario]>"","Scenario "+Forms([CurInputForm])![Scenario]))000\-00\-0000;;_d7`*ab cPageNumPage Xm<"`aEb<cik Text29 =Footer2()m<"`asbcik Text30 =Footer1()m<"`ab cik Label14 =Copyright()d8"b8c lblDisclaimerThis is an illustration only.An illustration is not intended to predict actual performance. Interestrates,dividends, premiums, values, benefits and costs of care and similar terms usedin this illustration are hypothetical and not guaranteed. This illustration isnot valid without a complete set of pages. Premium investment cost calculated to premium break even. This illustration ID is 6f] N-WLVAL+T$p06:<=Babc8f,gij,knc!x@!Economic Impact of Long Term Care[Event Procedure]8@@8h`PDFCreatorS odXXLetterPRIV0''''\KhCKL ;winspoolPDFCreator PDFCreator:PT1:[Event Procedure][Event Procedure]d28Arialm5<Arialr5`f[Event Procedure] PageHeaderd78"` bc deLabel1Care Event Asset Consumptiond8"`aXbcd Label2 Attachment Ad7`<-abo cLabel78Note: See attached assumptions and detailed explanationm`a CurInputFormd78"`<ab@cJd eLabel31No Insurance && With Insurance`[Event Procedure]Detailr25ac4dChart1ࡱ> Root EntryFC\  CompObjeOle %Book YK !"#$%&')*+,-.2368@ABCDEFGHIJRoot EntryF7ld CompObjdOle %Book Y /S014579:;<=>?MNOPQRLVALqAccessObjSiteData&8OlePres000.Workbook  !"#$88 FMicrosoft Graph 2000GBiff5MSGraph.Chart.89q  "$"#,##0_);\("$"#,##0\)"$"#,##0_);[Red]\("$"#,##0\) "$"#,##0.00_);\("$"#,##0.00\)%""$"#,##0.00_);[Red]\("$"#,##0.00\)5*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_),))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)=,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_ A@B""$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)7*2_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).))_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?,:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)6+1_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) "$"#,##0 00000 #,##0.0#,##0.0\ "Million""$"#,##0.0\ "Million"1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial=F0##0.0\ "Z A@` 4!` (2` ,E!` (2` 0` 81 88 ``i̜̙3f3333f3ffff333ff333f33f33BBB\R3& STU a0'Total Estate Consumed Without Insurance(Net Cost of Care With Insurance?]/Ma?@]/Mq?@vk y?@]/M?@8*5{?@vk ?@RG? @]/M? 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