Long Term Care

Long-term Care is the care that you need when you are no longer able to care for yourself independently. Most people think long-term care is only an older person’s issue. In reality, 40% of people receiving long-term care are between the ages of 18 and 64.

Long-term Care insurance is a way to protect yourself and your assets from the tremendous costs associated with this care. Voluntary Long-term Care insurance is just one more way to enhance your current employee benefits package.

  • Coverage may be offered to current employees, retirees, spouses, children, grandparents, siblings and in-laws;
  • Guaranteed issue is available for employees in initial enrollment for groups with 500 or more employees -- modified or simplified underwriting available in other cases;
  • Discounted rates available with a minimum of 5 employee lives approved for coverage.
  • No participation requirements for groups with 500 or more employees – for smaller group a minimum of 5 employee lives approved for coverage are required;
  • Care can be received in various settings: at home, Assisted Living Facilities, Residential Care Facilities, Adult Day Care Centers, Nursing Homes and even Hospice Facilities;
  • Ability to custom design product based on individual needs.

Offering a long-term care insurance program helps convey your commitment to your employees by ensuring that they will be ready for whatever life brings.

Testimony of Robert B. Blancato, Executive Director, 1995 White House Conference on Aging to the United States Senate Special Committee on Aging, 6/28/01.

The information provided within is only a summary of the available plan designs. Certain underwriting restrictions and age limits do apply. The policy issued to the policyholder and the accompanying certificates fully describe coverage and the benefits that do apply.

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