Long Term Care Insurance

APSIT recognizes the significant need for long-term care planning and offers a valuable Long-Term Care Insurance Program for our members. Long-Term Care planning is essential in helping you prepare for your and your family's future.

Our Long-Term Care Insurance Program includes:

  • Special discounted rates for members—save hundreds of dollars per year
  • Same discounted rates for spouses, domestic partners, parents, and adult children
  • Comprehensive plans from multiple, highly-rated insurance carriers
  • Assistance with your questions on the program's costs and benefits through a partnership with Long Term Care Resources (LTCR), a National Network of Long-Term Care Specialists

Because of the crucial nature of Long-Term Care Insurance, we urge you to get all of the facts that are available on this product, including its benefits. Knowledge is your best defense in the fight against the high cost of long-term care and in determining if Long-Term Care Insurance is right for you.

For more information about Long-Term Care Insurance, please contact Long-Term Care Resources at 800.616.8759 or visit https://education.ltcr.com/apsit.

Long Term Care Calculator

When you're trying to decide whether Long-Term Care Insurance is right for you, having an idea of the potential costs you could be facing can be helpful. Using our Long-Term Care Calculator, you can work through possible financial scenarios and receive suggestions on how to best fund your care needs.

The calculator also features:

  • Projected future cost of long-term care
  • Annual rate of return needed for investments to equal value of a Long-Term Care policy
  • Life expectancy chart
  • Break-even analysis showing number of days of care needed to recoup premiums paid

Click Here To Calculate Your Potential Costs!

Long Term Care Planning Kit

We want to provide you with the information needed to help guide you through your long-term care decision. Download your free 22-page Long-Term Care Planning Kit today!

Click Here To Download Your Free Kit!

Frequently Asked Questions

Won't the Federal Government pay for my long-term care?
While many people think the federal government pays for long-term care expenses, much of 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.

What is the cost of waiting to purchase Long-Term Care Insurance?
If you’re thinking of waiting to purchase Long-Term Care Insurance coverage, consider the impact of waiting:

  • Increases the risk of being ineligible for insurance
  • Decreases the overall time you have Long-Term Care Insurance protection
  • Can increase the overall cost of coverage because premium rates increase with age

Waiting delays your long-term care security and can cost you money.

What is the cost of Long-Term Care?
The cost of care for home healthcare services and facility care varies from state to state.