Newly Sponsored Member Guidelines to Apply for Long-Term Care Insurance

If you are a newly sponsored plan member between the ages of 18-65, actively working 20+ hours per week for six months you will have a one-time, 30 day period to apply for long-term care insurance on a simplified underwriting basis. Why is this important? The simplified application has fewer health questions than the full underwriting application. That means that someone who may be declined with full underwriting could be approved with simplified underwriting. 

You will have 30 days after the six-month period to apply with simplified underwriting. NOTE: Simplified underwriting does not guarantee you’ll be approved by Transamerica. To see if you qualify, call ACSIA Partners at 877.743.7184


Click on this link to watch the educational webinar on this program:

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I would like my complimentary guide Dignity for Life.

Or Call 877.743.7184

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

Is Long-Term Care Insurance Right for You? It Can Help You:

  • Protect your home, savings, and family assets
  • Purchase the kind of care you want to receive
  • Maintain your independence and avoid being a burden to your family members
  • Feel more confident about the future

(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

ACSIA Partners LLC is a licensed insurance agency that markets long-term care insurance. The long-term care insurance is issued by Transamerica Life Insurance Company (Transamerica). ACSIA Partners receives a commission on policies issued by Transamerica. The long-term care insurance offering is not a benefit sponsored by Portico, but an individual policy purchased from Transamerica. Premiums are not guaranteed to remain unchanged.  Long-term care insurance may not cover all of the costs associated with long-term care. You are advised to review your contract carefully. The contract has exclusions, limitations, reductions in benefits and terms under which the contract may be continued in force or discontinued. Contract provisions and maximum monthly benefits may vary by state. Portico Benefit Services does not guarantee the performance by Transamerica Life Insurance Company of its legal obligations.  Be sure to consult with your tax, legal, and financial advisors.