Long-Term Care Insurance

Long-Term Care Insurance  


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:


LTC Funding LTC Navigation LTC CareAudit LTC Legal
Evaluate your options and get help choosing the right plan for your needs. Find quality care and more. Prepare for a care situation and make sure the proper care is received. Create legal documents (Wills, Medical Directives, etc.) related to aging.


Long-Term Care Tool


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

    If you are between the ages of 50 and 70, now is a good time to consider LTCRplus. 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.
    • Your family may sacrifice income by reducing their hours at work to care for you and you may become a burden to them.
  • 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.
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