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?

"Approximately 70% of people turning age 65 can expect to use some form of long-term care during their lives." 1

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

"Traditional health insurance does not pay for long-term custodial care"

"43 million people in the US had been an unpaid caregiver in the last 12 months as of 2015." 3

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) U.S. Department of Health & Human Services, Caregiver Resources & Long-Term Care, retrieved 5/2/2018,
(2) Genworth Financial, Genworth 2017 Cost of Care Survey, retrieved 5/3/2018,
(3) 2015 study by AARP and the National Alliance on Caregiving, retrieved 10/23/2018,