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 FundingSM LTC NavigationSM LTC CareAuditSM LTC LegalSM
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.


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.

Long-Term Care Tool



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

    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.

  • 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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