---
title: Brighthouse- Clients Save Time, Not Receipts
description: Brighthouse SmartCare
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/Brighthouse%20Financial%20Updated.png
---

## Planning Tips and Carrier News for Advisors

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- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
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[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

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Oct 4, 2021 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Brighthouse- Clients Save Time, Not Receipts

- [hybrid life/Long-Term Care](https://www.ltcipartners.com/carriernews/topic/hybrid-life-long-term-care)

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Learn how our Cash Indemnity product stacks up against reimbursement options.

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|         One yearly claim. Monthly benefits. Zero receipts. One of the updates we recently made to our Brighthouse SmartCare® contract, our indexed universal life insurance policy with long-term care (LTC) benefits provided by riders, includes more clarity about the qualifications necessary for claims to be eligible to receive the monthly cash indemnity benefit to help cover long-term care expenses.1 Once eligible to receive benefits, owners can access the maximum amount of available benefit dollars, regardless of actual cost of care, with no receipts or tracked expenses required.2 Other LTC products provide benefits through reimbursements that require receipts to track expenses. Watch the video to learn more about the differences in these policy types. Watch Now   Want to learn more? Use the link below to connect with your Life Insurance and LTC Specialist. Connect With Your LTC Specialist   Questions? Call the Life Sales Desk at (855) 861-5300. 1 Brighthouse SmartCare is an indexed universal life insurance policy with long-term care benefits provided by riders, which may not cover all potential long-term care costs. 2 Generally, LTC benefits are not payable unless an insured is chronically ill (as defined in the tax code) and is receiving Covered Qualified Long-Term Care (QLTC) Services under a Plan of Care prescribed by a physician. Brighthouse SmartCare® is an Indexed Universal Life Insurance Policy with Long-Term Care Riders issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 ("Brighthouse Financial"). All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations. Brighthouse SmartCare has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. May not be available in all states or firms. Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates.   • Not a Deposit • Not FDIC Insured • Not Insured by Any Federal Government Agency • Not Guaranteed by Any Bank or Credit Union • May Lose Value Brighthouse Life Insurance Company 11225 North Community House Road Charlotte, NC 28277 © 2021 Brighthouse Financial, |
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## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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