LONG TERM CARE

The likelihood of needs long term care along with the cost of care can represent a significant threat to your family’s financial security.

At least 70% of people over 65 will need long-term care services and support at some point. The U.S. government estimates that the average cost of nursing facility care is approximately $72,000 per year.

Standard health plans and Medicare pay very little, if any, leaving the burden of paying for care on you and your family. This program can help protect your financial security for the long term care threat.

Highlights of a Long Term Care Insurance Plan include:

  • Premium discounts available for member and extended family

  • Covers home care, assisted living, and nursing home care

  • Select a lifetime maximum of up to $750,000

  • Daily benefits up to $300 per day

  • Inflation protection options available

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Recovery Care Insurance 

At least 70% of people over 65 will need long-term care services and support at some point. The U.S. government estimates that the average cost of nursing facility care is approximately $72,000 per year.

You can plan now for the level of care and comfort you deserve in case of an accident or illness that requires assistance and care during recovery. Even those who lead a healthy lifestyle may be at risk of experiencing an unexpected need for Recovery Care due to the onset of health issues and disabilities.

Highlights of a Recovery Care Insurance Plan include:

  • Includes nursing home, assisted living, and home health coverage

  • Pays up to $300 per day for nursing home and assisted living

  • Choice of 90, 180, 270 or 360 days

  • Pays up to $1,200 per week for home care services

  • Choice of 13,26, or 52 covered weeks

  • Lifetime maximum equal to twice the number of covered days/weeks

  • Covers all levels of home care including a home health aid

  • Pays benefits directly to the insured

  • Simple Yes/No application

  • No physical or blood work required

  • Helps offset out-of-pocket expenses