Long-Term Care insurance (LTCi) provides critical financial benefits for diagnostic services; personal care; preventive, rehabilitative, and therapeutic health services provided in a non-acute care setting. Benefits can cover cognitive impairment or the loss of the activities of daily living (ADL). If you want specific coverage, consider adding supplemental insurance providing for a combination of community-based, nursing home, and in-home health care.

Many employers, including federal and state governments, extend group LTCi as a voluntary employee benefit. If you have pre-existing health conditions that disqualify you for individual coverage or ‘rate’ you with exorbitant health insurance premiums, the advantage of employer-based LTCi is invaluable.

Are you a federal employee? Contact the U.S. Office of Personnel Management directly for details about their Federal Long-Term Care Insurance Program. Are you married and in good health? You may find individual LTCi more affordable. Check with the independent insurance professionals at Ashcraft Associates Insurance Agency for ways to obtain the best financial protections to suit your life.

Group Long-Term Care (LTC) Insurance Providers Serving VA, MD, and DC