Long-Term Care (LTC) Insurance

for You and Your Family


As a Montgomery County Government employee, you have access to a long-term care offering, distributed by ACSIA Partners LLC. The LTC benefit addresses uninsured long-term care costs, which are one of the greatest risks to retirement savings and income today. ACSIA Partners has developed a comprehensive program to provide you with all the information you need to determine if a long-term care solution is appropriate for you and your family.

If you are a newly hired employee, you are eligible for reduced health screening if you are 18-65, actively working at least 20 hours per week, and apply within 90 days of your date of hire. New hires that do not apply within their 90-day eligibility period may apply at any time and receive gender-neutral rates (see below); however, applications will be fully underwritten.

Note: The LTC policy employees and retirees purchase will be underwritten by LifeSecure. LifeSecure is responsible for policy issuance and payment of claims. ACSIA Partners' role is to provide education about long-term care planning and assistance with the enrollment.

Why Take Advantage of This Opportunity?

This program provides significant benefits to you as a Montgomery County Government employee. It is available to you, your spouse/domestic partner, and extended family members ages 18-79. Extended family members include parents, parents-in-law, grandparents, grandparents-in-law, siblings (including step), cousins, and adult children.

  • Comprehensive, individually owned plans

  • LifeSecure gender-neutral rates: Premiums are the same for men and women of the same age, which is not always the case with other individual long-term care insurance policies. Women are often charged higher premiums than men of the same age for the same policy. **

  • Affordable plans conveniently paid post-tax directly to the insurance carrier


**Kaiser Health News, Key Long-Term Care Insurer to Raise Women’s Premiums, 2013

Speak to a Specialist to Apply


I would like to speak to a specialist to receive more information.

Or Call (877) 403-1117

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 in the comfort of your home
  • Protect your home, savings and family assets
  • Choose where and by whom you receive care
  • 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