Long Term Care Insurance
  • Overview
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  • FAQs
  • Contacts

People tend to think they will never need long term care. Unfortunately, when they do need it they are not prepared. With long term care insurance you can take control and be prepared. It helps you:

  • Retain your independence
  • Preserve your quality of life
  • Stay at home as long as possible
  • Maintain flexibility in care options
  • Protect your assets and savings
  • Avoid burdening friends and family

As life expectancies increase, there can be a greater chance that people will require long term care. Long term care includes all health, social, psychological and other services to persons requiring supportive help for a long time.

As an AFSA member, you have access to a special benefit—the Long-Term Care Resources Network, a unique long-term care buying service.

This benefit allows you to work with a long-term care insurance representative who will give you all the information about benefits and rates of different highly rated long-term care providers.

With so many different providers, you may have questions about the coverage they provide:

  • Which plan or options offers the least expensive premium? Is one plan more flexible than another to help fit into my budget?
  • What if I have a current health condition—can I still get coverage?
  • What about protection for my spouse? Are there couple discounts available if we both apply?
  • Are there discounts for healthy applicants?
  • Which long-term care insurance offers more of the benefits I want or need?

One simple phone call to the Long-Term Care Resources Network for AFSA members is all it takes to start protecting your assets from long-term health risks and get your questions answered. No obligation necessary!

For more information on a one-on-one consultation with an experienced Long Term Care Resources Network Representative and how to apply, please call 1-800-616-8759.

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

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

Genworth, John Hancock, Transamerica, Mutual of Omaha, and United of Omaha.
The cost for nursing home private room care varies by state. To learn more simply call 1-800-616-8759.
If you are thinking of waiting to purchase long term care insurance coverage, consider the impact of waiting: Increases the risk of being ineligible for insurance Decreases the overall time you have long term care insurance coverage Can increase the overall cost of coverage because premium rates increase with age Waiting delays covering your long term care risk and can cost you money.
While many people think the federal government pays for long term care expenses, nationally, over 25 percent of all nursing home expenses are paid out-of-pocket by individuals and their families. Neither Medicare, Medicare Supplement Insurance nor the major medical health insurance provided by employers is designed to pay for long term care expenses.

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

Administered by:

Long Term Care Resources

Phone: 1-800-616-8759

(Monday-Friday 8:00 a.m. to 6:00 p.m., Central)

Email: info@ltcr.com

LTC Planning Tool

Visit an interactive and educational long term care evaluation tool to assist you with your long term care planning.

LTC Planning Tool

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

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