Group Long Term Care (LTC)

A cost effective option to improve employee benefits by resolving one of today’s most pressing issues-how to care for a spouse’s or parent’s long term care needs. Long Term Care (LTC) can be voluntary (employee paid) or contributory (employer paid) with buy-up options. LTC policies offer guaranteed issue, inflation indexing, and portability.

LTC insurance includes in-home, assisted living and nursing facilities. Statistics indicate 65% of long term care patients are over age 65, the balance being younger.