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Long Term Care Insurance

Long term care insurance (LTCi) helps pay for the cost of long term health care - expenses that may not be covered by health insurance. Whether you are elderly, in need of assistance at home or in a nursing facility, or are a young person disabled by an illness or accident, if you need help with the Activities of Daily Living (ADL’s) such as eating, dressing, bathing, toileting, continence or transferring, LTCi can help pay your expenses at a specified daily or monthly benefit rate, for a predetermined period of time. Benefits are also payable if you are cognitively impaired requiring supervision. Premiums may be eligible for a tax deduction or credit.

Member Advantages

  • Premium discounts - 10%
  • Discounts available to members, spouses, partners, parents, parents-in-law and other family members
  • Spousal discounts and preferred health discounts available
  • Special Law Firm programs are available
  • Customized education on a one-to-one basis or through seminars are available
  • Partnership LTCi policies are available.