Long Term Care

Long Term Care insurance can help preserve assets by providing coverage for long term care needs. Without it, the financial and emotional implications of providing care can be devastating.

Long Term Care insurance offers a variety of options such as coverage for rehabilitative services, assisted living, or home care. Long Term Care insurance can pay a benefit for care received that might not be covered by other types of insurance.

Regular active employees working 20 or more hours per week are eligible to apply for this insurance) within the first 60 days of employment.  Proof of good health may be waived (for employees only) who enroll within the first 60 days of employment.  If employees enroll after the first 60 days of employment, he/she must complete a proof of good health form. 

Spouses, parents, parents-in-law, grandparents, grandparents-in-law, siblings and adult children may also purchase coverage with completion of proof of good health.

Facility Monthly Benefit Amount of $1,000 to $6,000 per month in $1,000 increments, with a benefit duration of 3 or 6 years. Professional Home Care is covered at 100% of the Long Term Care facility benefit.  The plan includes the options of: Accelerated Payment and 5% compounded inflation protection .  An elimination period of 90 day applies. 

For more information including rates and an application, please go to

Long Term Care Application

Webinar from March 20, 2013 - Long Term Care Insurance