Long Term Care Insurance Program

What Is Long Term Care? 

Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing, dressing, due to an accident, illness or advancing age.

Who Needs Long Term Care Insurance?

• Almost half of Americans now receiving Long Term Care are under age 65
• By the end of 2005, nine million people over age 65 will need it
• National Average for Nursing Home Care is $56,000 – in some areas it can double
• Home Care: Costs average $12,000 or more annually 

Why Buy Long Term Care Insurance Now?

• The younger you are when you sign up, the lower the premiums
• Rates will not increase because of your age
• The benefits are portable the employee can maintain the benefit if he or she leaves your organization
• Employees value this benefit because they have seen the financial impact on their families with long-term care needs
• Coverage is available for family members, including spouses, children, parents, grandparents and siblings at group rates

For more information or to enroll, please contact the ACCE Benefits staff.