What is Long Term Care (LTC) Insurance

Long-term care insurance is designed to pay benefits for some of the expenses you may incur if you need supervision or assistance with basic activities of daily living (ADLs), including bathing, eating, continence, dressing, toileting, ambulating and transferring. You may need this kind of help following an accident or illness such as a stroke, because of older age and frailty, or because you need supervision due to a cognitive disorder like Alzheimer's disease.

Did you know:

  • Medical Insurance and Medicare pay for specific care for acute conditions - not for long term help with daily living.
  • In most cases, Medicaid would pay for the Long Term Care only after assets were depleted to welfare levels.

Here’s why you need Long Term Care Insurance from the Club:

  • Your premiums are conveniently payroll deducted
  • Affordable Club Member Only Group Rates
  • Coverage is available to you, your spouse/domestic partner, parents, and grandparents
  • Available payout benefits range from $1,000 to $5,000 per month
  • Group rates are locked in at the age you apply
  • Your plan pays a monthly benefit directly to you, as opposed to most other programs that pay out on a reimbursement schedule
  • Choose from four plans: 1) Long Term Care Facility, 2.) Professional Home Care, 3.) Total Home Care, and 4.) simple inflation protection
  • Available Terms: 4 year nursing facility/8 years in home. Also 10 year nursing facility/20 year in home* (Home care benefit pays out at 50%)
  • It’s portable: if you leave the City for any reason, the coverage goes with you

Enroll Today

Getting started is easy.

Got more questions?
help@cityemployeesclub.com
(800) 464-0452

Here’s why waiting to enroll can hurt you:

By enrolling today, you can start the process of protecting your retirement savings and assets.

The average cost of nursing home care tops $80,000 a year according to Genworth’s 2016 Cost of Care Survey.

The cost of coverage is based on your age when you purchase your policy. That means every year you wait, the cost could increase.

Your policy is also based on your health. While you may be healthy today, a change tomorrow could make you ineligible for coverage.


“The best time to buy long term care insurance is before you need it”