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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 recieve 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