How It Works

What services are covered?

  • A long-term care insurance policy will pay benefits for services you receive at home, in an assisted living facility and in a nursing home

When am I eligible to receive benefits?

You are eligible to receive benefits under your policy when a licensed health-care practitioner submits a plan of care that certifies:

  • You are chronically ill meaning you require assistance performing at least two of the six activities of daily living for a period expected to last at least 90 consecutive days
  • Or you need continual supervision due to a severe cognitive impairment
  • And recommended services are included under your policy

When will benefits be payable?

  • If you elect to receive policy benefits in cash, there is no waiting period. Cash benefits are available beginning with the first day of qualified need
  • If you elect to be reimbursed for actual long-term care expenses, your policy will begin paying benefits after you satisfy the policy’s elimination period

How long will I receive benefits?

  • As long as you remain eligible for benefits, your policy will continue to pay until the maximum lifetime benefit amount of the policy is reached

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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