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Plan Ahead with Long Term Care Insurance

What is long term care?

Long term care is the medical and/or social services term for helping people who develop disabilities or chronic care needs. For example, there may come a time when you or a loved one needs help walking, getting dressed, eating, or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment such as Alzheimer's disease. Long term care services may be brief with full recovery, or they can continue for years. Services may be provided in a person’s home, in a residential facility such as a nursing home or assisted living facility.

What does long term care insurance provide?

A long term care insurance policy helps you pay benefits for services you receive at home, in an assisted living facility and in a nursing home in the event you need such care. Benefits are payable according to the terms of your long term care insurance policy.

Who is ACSIA Partners LLC?

ACSIA Partners LLC, formerly LTC Financial Partners (LTCFP) is a licensed insurance agency that specializes in helping individuals understand the financial risks associated with the need for long term care and the role long term care insurance plays in managing this risk.

What are the advantages of this program?

 Premium discounts. Employees, their spouses or same-gender partners, and other eligible family members have the opportunity to purchase long term care insurance with a discounted premium through ACSIA Partners. If you’d like more information, call ACSIA Partners at 877-761-6982. 

One-time opportunity to apply with reduced medical underwriting. Employees ages 18-65 working 30+ hours per week for six months will have a one-time opportunity to apply for long term care insurance on a reduced medical underwriting basis. That means there is a short list vs. a longer list of questions about your health. Spouses/Partners and other eligible family members can apply during this time with full underwriting (a longer list of health questions).

Note: Typically, with reduced medical underwriting, more people will be approved for long term care insurance than through full underwriting. However, reduced medical underwriting does not guarantee you'll be approved by Transamerica. Employees can also apply for long term care insurance after their 90 day open enrollment has passed, but will have full underwriting. If you’d like more information, call ACSIA Partners at (877) 761-6982.

Who is eligible to apply for long term care insurance?

Eligible plan members and the following family members can apply:

  • Spouse/partner
  • Children over age 18
  • Parents
  • Grandparents
  • Siblings
  • In-laws
  • Step Parents
  • Aunts/Uncles
  • Cousins

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Did You Know?

At least 70% of people over 65 will need long-term care services at some point. " 1

Long-term care services cost between $50,000 ‐ $100,000 per year." 2

40% of people receiving long-term care are working-age adults between the ages of 18-64." 3

Women need long-term care services for longer (on average 3.7 years) than do men (on average 2.2 years)."4

5 Reasons WhyLong-Term Care Insurance
Can Help You:

  • Receive care services in the comfort of your home
  • Protect your home, savings and other family assets
  • Choose where and by whom you receive care from
  • Avoid a nursing home facility
  • Peace of mind knowing you're covered!


(1) Medicare & You, National Medicare Handbook, Centers for Medicare and Medicaid Services Revised November, 2012
(2) MetLife Mature Market Institute, 2012 Market Survey of Long-Term Care Costs.
(3) National Clearing House for Long-Term Care Information, October 2008.
(4) US Department of Health and Human Services, 2007