– Because not all long term care programs are created equal
  Long term care insurance is about more than premiums and reimbursement. It's about providing you with financial security and peace of mind. It's about knowing there's someone caring for your best interests – someone with a program that helps secure your long term future. Your LTC Program focuses on providing you with that kind of security and peace of mind by offering innovative Long Term Care choices. Your non-tax-qualified program is one of the few in the country that uses medical necessity as a means to access your benefits. You can also rest assured that your financial future will be sound for years to come with our 10-year rate guarantee for those under 65 years of age. For those over 65, there is a five-year rate guarantee. You can even choose to further enhance your financial security with optional benefits such as inflation protection, which increases your Maximum Daily Benefit by 5% compounded annually and your Maximum Lifetime Benefit by 5% compounded annually. Our goal is to ensure that you receive care when and where you need it – care with financial protection you can count on. |
Your
LTC Program was designed to expand your benefit options, ease access to
those benefits and cover people who might not qualify elsewhere. The program
includes plans that cover active members, retirees, inactive members,
spouses, parents, parents-in-law, grandparents, grandparents-in-law and
children age 18 and older. Once you are accepted into the program, pre-existing
conditions are covered in full.
