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administrator of MOAA Insurance Plans

Long-Term Care Insurance
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Long-Term Care Insurance - LTCRplusSM

Help protect your assets against the cost of long term care with customized protection through the variety of individual plans available through the MOAA-endorsed Long Term Care Insurance Program. The plans include access to a one-of-a kind solution to help protect your retirement funds and assets, as well as manage your care: LTCRplus.

With LTCRplus, you can get assistance with care you may need now or in the future. Plus, it will help you save money and time, while protecting your family, with access to these 4 powerful tools:

money compass Heartbeat CourtHouse
LTC FundingSM LTC NavigationSM LTC CareAuditSM LTC LegalSM
Evaluate your options
and get help choosing the
right plan for your needs

Find quality care and

Prepare for a care
situation and make
sure the proper care
is received
Create legal documents (Wills, Medical Directives, etc.) related to aging


The MOAA-endorsed Long Term Care Insurance Program offers these benefits:

  • Available to members and their families: You, your spouse, your parents, and parents-in-law may apply for this coverage.
  • LTCRplus bundles the Long-Term Care Services you need most:
    • LTC Funding – Evaluate all options to pay for care.
    • LTC Navigation – Find quality care, claim concierge and more.
    • LTC CareAudit* - Evaluate a current care situation.
    • LTC Legal – Create important legal documents related to aging.
  • Combination Life/Long-Term Care Plan is available.
  • Home Care PlusSM is available. It offers a lower cost option with flexible benefit schedules.

Don't Wait To Apply: The fact is, age is a key element to consider when you are weighing the costs of Long Term Care insurance. Each year you wait could cost you more money, and a change in your health status may keep you from qualifying.

*Based upon the level of audit desired, there may be an additional fee for this service. Audit recommendations and pricing will be agreed upon prior to services being rendered.
Products and Services mentioned in this website may not be available in all states.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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.

Because you can't tell when you'll need help. You may need it in three years or three days; 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.

  • 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.
  • Your family may sacrifice income by reducing their hours at work to care for you and you may become a burden to them.

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-698-7943
Hours: 8 am to 6 pm M-F (Central)


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LTC Planning Tool

Get more information about LTCRplus and take the next step in helping to protect your assets with long term care planning.

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Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

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