The program is open to members and their families, ages 18-85. We have partnered with a company that is very progressive in its approach to diabetes; so although not everyone may be eligible for the policy due to underwriting conditions, we can help insure those with diabetes at a great rate than most other companies.

Feel free to read below for more information on long term care insurance. We invite you to fill out a form to request a no obligation quote to learn more details specific to this program. You may also give us a call to discuss your needs and answer any questions you may have.

We are very excited to be working with the America Diabetes Association to make this valuable product available to you and your families.

Thank you,
Long Term Care Insurance Advisors, Inc.

This is a CA$H LTC insurance policy - the best available!

Unlike most LTC insurance policies that offer reimbursement for expenses you've already paid, and then dictate what expenses they will cover. This CA$H LTC program is of a new breed of policy offering you total control over your long term care dollars. Hands down this is the best policy available on the market.

What is Long-Term Care Insurance?

Long-Term Care Insurance, not to be confused with disability insurance, offers people a financial safety net
designed to cover a wide range of long-term care services.  If you are unable to care for yourself because of prolonged illness or disability, long-term care insurance may pay for the kind of services you need.  Such services may include help with activities of daily living, home health care, respite care, adult day care, care in a nursing home or care in an assisted living facility. 

Other things to remember: 

• Some federal and/or state income tax advantages are available to people who buy certain long-term care insurance policies.
• You can pay for LTC insurance premiums with your HSA account.
• Medicare does not pay for most long term care.  Medicaid will generally only pay for long-term care if you have very little income and few assets.

Consider These Statistics:

• Baby boomers are expected to live longer than any preceding generation and could place high demands on family caregivers.
• Having long-term care insurance allows disabled elders to remain in their homes and delay or avoid using institutional services.
• Disabled elders with private long-term care insurance receive an average of 14 more hours of personal care per week than similarly disabled non-privately insured elders.
• Having a long-term care insurance policy reduces by 66 percent a person’s chances of having to spend his or her assets to pay for nursing home care to the point of impoverishment and Medicaid eligibility.
• Working age family caregivers double their chances of remaining in the workforce if the disabled elder they are caring for has private long-term care insurance.  These caregivers also experience significantly fewer work disruptions and social stresses.
• There's about a 50 percent chance you'll need some type of long-term care after age 65. And long-term care services are not just for older people. A young or middle-aged person who has been in an accident or suffered a debilitating illness may very well require long-term care services. In fact, 40 percent of patients receiving long-term care are under age 65.

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