LTC Enrollment

Your Employee Advantages

The Judge Group offers voluntary Long-Term Care (LTC) Insurance from National Guardian Life (NGL) Insurance Company.
You will work directly with an insurance specialist from LTCI Partners who can prepare quotes, explain options,
and provide advice and guidance to help you own meaningful benefits that fit your budget.

Please review the information below.

Discounted Worksite Rates

Since you are purchasing coverage offered to you by your employer, the rates are generally less expensive than they would be on the individual marketplace.

Eligibility

Employees and their family members can apply for coverage. This includes spouses, parents, grandparents, and siblings, ages 30-79.

Plans are medically underwritten.

Spouse Discount Available

If you and your spouse/partner both apply for coverage at the same time, a premium discount will apply.

Does my other insurance cover LTC expenses?

The short answer is no. Health & Disability insurance exclude LTC services while Medicare only offer minimal coverage.

Health Insurance

No coverage.

Health insurance does not cover expenses associated with long term care.

Disability Insurance

No coverage.

Disability insurance helps replace your income and does not pay for LTC expenses.

Medicare

Minimal coverage.

Medicare might cover some expenses up to 100 days if the care is needed directly after a three-day hospital stay.

Video - Understanding Long Term Care

(2 minutes and 20 seconds)

Want more details? View our recorded 19-minute Long Term Care Insurance Webinar

The cost of Long-Term Care compared to your Assets & Expenses

Long-term care services can be expensive. According to the US Department of Health and Human Services, the average cost of care can range from $48,048 - $100,380 depending on the type of care you are receiving and where you are receiving that care. Long-term care planning should be a included in any responsible personal financial plan.

What are employee's top 4 sources of financial stress?

Financial stress is never a good thing, especially if you're thinking about retirement. If you are concerned about being able to afford healthcare costs in retirement or outliving your retirement savings you're not alone according to a recent MetLife study. The largest potential healthcare expense during your retirement years may be a long-term care event.

Americans realize the importance of LTC coverage

More than half of Americans say they need long-term care coverage yet only around 1/3 have coverage. As we age, the likelihood of needing long-term care services increase. The most recent US Department of Health & Human Services data says around 70% of us will need care at some point. That's a big number! The good news is the Lifesecure LTC program offers long-term care coverage if you happen to need LTC services at any point.

Ready to receive a no obligation quote?

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LTCI Partners, LLC, (LTCI Partners) acts as an agent for select insurance companies to provide long-term care insurance under this program. Invitations for application for LTC Insurance are made through LTCI Partners. LTCI Partners or its licensed representatives are currently licensed in all 50 states and the District of Columbia. California license number 0D51716. Other license numbers are available upon request. LTCI Partners receives commissions from insurance carriers, which include compensation based on total quantity and quality of insurance coverage.

The long-term care insurance policy describes coverages under the policy, exclusions and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Please contact your licensed agent for more information, costs, and complete details on coverage. Availability of policies, features, and benefits may vary by state.

An insurance agent may contact you. Premiums vary by issue age and health and for some plans may be increased in the future. Long-term care insurance is underwritten by the insurance company we help you select. The policy is subject to underwriting and a medical exam may be required to determine eligibility.

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