Helps Protect You Against the Rising Cost of Nursing Home and Community Care
Although you may believe that you are too young to start thinking about long-term care and its costs, consider this: premiums are based on age, the younger you are when you purchase this coverage, the lower your premium will be.
While we reserve the right to adjust future premiums for all policyholders by state and class, we have never had to do so since we pioneered long-term care insurance more than 25 years ago. And, your premiums will never increase due to changes in your health status or your age. The Long-Term Care Insurance Plan endorsed by ASME can help you protect your assets while providing you with the high quality protection you need. Your parents and parents-in-law can also apply for this coverage.
The Plan reimburses benefits during covered nursing home stays and offers several choices of daily benefits and payment maximums. An inflation protection option is also available.
In addition, home and community care coverage is available to complete your long-term care protection. This coverage reimburses for covered care at home and in the community, such as adult day care centers.