Long-Term Care Insurance

Long-Term Care Insurance  


You've worked hard and prepared for retirement, don't let ongoing healthcare costs eat away at your savings. Get additional resources to cover the cost of long term care and help protect your retirement funds and assets through the MOAA-endorsed Long Term Care Insurance Program.


With Long-Term Care (LTC), you'll receive personalized assistance for your immediate or future care needs. Our team is dedicated to guiding you through available options and providing exclusive discounted group rates tailored to your situation. Our agents will help you find the best solution that fits with your current life insurance policies or annuities.



While short-term care provides temporary assistance during recovery periods, long-term care addresses ongoing needs for individuals who require extended support due to chronic conditions or disabilities. Short-term care often involves intensive therapies and medical interventions to facilitate a swift return to independent living, whereas long-term care offers continuous, comprehensive assistance tailored to the evolving needs of individuals with persistent health challenges.


Long-term care services extend beyond medical care to encompass emotional support, social engagement, and assistance with daily tasks, recognizing the long-term nature of the individual's condition. By delineating between short-term and long-term care, individuals can better plan for their healthcare needs, ensuring access to appropriate services and support throughout various stages of life.


If you are unsure whether you need short-term or long-term care, please call us at 1-800-247-2192 so we can help determine the right plan for you.


This plan may not be available in all states.

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Long-Term Care Call Back Request




Answers about the program, including eligibility, options, customer service and more.
  • I’m young and healthy, why should I consider long-term care now?

    It's impossible to predict how long you'll be in good health or if you'll suffer from long term effects of an accident or debilitating disease. The sooner you start planning for the unexpected in the future, the more prepared you’ll be to manage your care.
  • What happens if I wait to plan for my long-term care needs?

    Your risk of being ineligible for any type of financial assistance including insurance may increase. The overall cost of insurance coverage will increase because premium rates are based on your age when you apply. If you don’t qualify for insurance because of a health concern, you could be left responsible for the cost of care if you need long term care services.
  • Won't the Federal Government pay for my long-term care?

    Medicare provides minimal financial support for LTC services. Medicare was designed to pay for acute medical conditions and post-rehabilitative care; it was not intended to pay for costs associated with LTC. To qualify for nursing home care under Medicare, a three-day hospital stay is required, and care must be rehabilitative in nature. If these conditions are met, Medicare will pay for the first 20 days. Days 21-100 require a co-payment. There is no coverage after day 100.
  • Is long-term care insurance necessary if I have other types of insurance coverage?

    While other types of insurance may cover certain healthcare expenses, they often do not provide comprehensive coverage for long-term care services. Long-term care insurance helps protect your assets and provides financial support specifically tailored to the costs associated with extended care needs.
  • Can I purchase long-term care insurance if I already have existing health conditions?

    In some cases, individuals with pre-existing health conditions may still be eligible for long-term care insurance, although the coverage options and premium rates may vary. It's essential to disclose any existing health conditions during the application process to ensure accurate pricing and coverage information.
  • Get More Information About Long-Term Care Plans

    Our experienced team is committed to assisting you in navigating the complexities of both long-term and short-term care options. Call us today at 1-800-247-2192 to compare plans, understand your coverage options, and find the solution that best fits your needs and budget.
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