Statistics show that after the age of 65, 60% of all Americans will need long-term health care services. Almost three quarters will need some form of health care, with the average annual length of treatment spanning three years. The average cost for this treatment could exceed $250,000.

Long Term Care Insurance offers the protection needed to help deal with these expenses. It is coverage that is not included in most traditional health insurance policies, Medicare or most Medicare supplements. Long Term Care Insurance policies provide financial resources for in-home, assisted living and/or nursing home care.

Advantages of Association Endorsement

	Members receive a premium discount not available to the general public.
	Applicants may choose benefits to fit their individual needs and budget.
	Simplified issue underwriting may be available.
	Eligible family members receive the same premium discount and simplified issue underwriting. Family members include spouses, adult children, parents, grandparents, brothers, sisters, aunts, uncles and in-laws.
	If association member is an employer, his/her employees and their extended family members will be eligible for the benefits of the program.
	Coverage is provided by individual policies which are fully portable.