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 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.
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.
In addition, the Home Care PlusSM option is available. It offers a lower cost option with flexible benefit schedules. Call 1-800-358-3798 to learn more.
As an ASME member, you have access to a special benefit—the Long-Term Care Resources Network, a unique long-term care buying service. In addition to fully comprehensive long-term care insurance plans, ASME has a lower cost Home Care PlusSM Plan now available. This plan offers a lower cost option with flexible benefit payment schedules.
This special 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:
One simple phone call to the Long-Term Care Resources Network for ASME 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, a one-on-one consultation with an experienced Long-Term Care Resources Network Representative and how to apply, please call 1-800-358-3795.
Visit www.asme.ltcr.com to access the interactive and educational long-term care evaluation tool.
www.asme.ltcr.com will assist ASME members as they work to make the best buying decisions for their specific situation by providing them with information about the need for long-term care insurance. Also, this tool will enable members to determine if they are pre-qualified for long-term care coverage as well as provide the ability to submit for a no-obligation quote!
The cost for nursing home private room care varies by state. To learn more simply call 1-800-358-3795
If you are thinking of waiting to purchase long-term care insurance coverage, consider the impact of waiting:
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.
ASME Insurance Program Administrator
12421 Meredith Drive
Urbandale , IA 50398
7:30 a.m. to 6:00 p.m. M-F (Central)
8:00 a.m. to 1:00 p.m. Saturday (Central)
www.asme.ltcr.com is an interactive and educational long-term care evaluation tool to assist ASME members with their long-term buying decisions.
Details of Mercer disclosure of the compensation.