This plan is available in most states, but plan may vary depending on individual state laws. Please contact the administrator for more information.

The cost for nursing home private room care varies by state. To learn more simply call 1-800-882-6035 or Click Here.

If you are 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 coverage.
• Can increase the overall cost of coverage because premium rates increase with age.
  Waiting delays covering your long-term care risk and can cost you money.

While many people think the federal government pays for the 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.