Exhibit 99.1.A.5(c) Rider: Long Term Care Accelerated Benefits Receipt of benefits under this Rider may be taxable. Therefore, prior to requesting an accelerated benefit, you should consult a personal tax advisor to determine any tax consequences. The...Long Term Care Accelerated Benefits Rider • February 24th, 1999 • New England Variable Life Separate Account
An insured will be considered to be a Chronically Ill Individual only if he or she has been certified by a licensed health care practitioner within the preceding 12 months as: being unable to perform without Substantial Assistance from another indi- vidual at least 2 Activities of Daily Living for a period of at least 90 days due to loss of functional capacity; or requiring Substantial Supervision to protect such individual from threats of health and safety due to Severe Cognitive Impairment. Activities of Daily Living are the following: eating; toileting; transfer- ring (getting in and out of a chair or bed); bathing; dressing; and conti- nence. A person requires Substantial Assistance if he or she requires hands-on as- sistance or standby assistance to perform an Activity of Daily Living or to prevent, by physical intervention, an injury while an individual is performing an Activity of Daily Living. Severe Cognitive Impairment is the deterioration or loss of intellectual ca- pacity f
