Long Term Care Insurance
LTCRplus Group Benefit
When you’re faced with rising healthcare and living costs for an aging population, the reality is only two things will likely cover your care when you need it in your older years—either your retirement assets or Long-Term Care Insurance.
With Long-Term Care Insurance, you feel better knowing you planned ahead for quality care. And it’s not just for your peace of mind. Your family faces far less emotional and financial burden in deciding the best course for your care. LTC Insurance is the same kind of wise investment you make for yourself and your family as life insurance.
Overview of Long-Term Care Insurance Advantages:
- Exclusive discounts for NJCPA members
- Best in class from the top 25 carriers
- Product variety for a custom plan to fit your budget and needs
- Wider underwriting to cover more people and/or lower premiums
Take the Next Step:
Learn More:
Request Your Free Benefit Guide
Talk with a Long-Term Care expert:
1‑844‑LTC‑PLUS
1-844-582-7587
Does Medicare or Medicaid pay for Long-Term Care?
Some services are covered, but others are not. Medicare only pays for long-term care if you require skilled service or rehabilitative. The majority of Long-Term Care falls under non-skilled assistance, which Medicare does not cover. Medicaid covers more aspects of long-term care, but you must meet income and asset requirements to qualify and choice may be limited, such as physicians and facilities.
Does Medical Insurance pay for Long-Term Care?
Some aspects of long-term care are covered by medical insurance, such as nursing services to recover from illness or injury, however they are not the same thing. Your medical benefits may be limited by a maximum benefit you may receive. Medical insurance is not designed to cover day-to-day living, but long-term care is.
Can my spouse or other family members be covered?
Coverage is available at the discounted rate for both you and your spouse. Additional coverage can be purchased for parents, parents-in-law, and adult children.
