AAP Long-Term Care Insurance

Long-Term Care Insurance

Live Long and Happy.

According to Genworth, in 2018 the average cost of a private room in a nursing home was almost $100,380 per year.§ When you’re faced with rising healthcare and living costs for an aging population, the reality is only two things will likely cover your care when you need it in your older years—either your retirement assets or Long-Term Care Insurance.

With LTC Insurance, you feel better knowing you planned ahead for quality care. And it’s not just for your peace of mind. Your family faces far less emotional and financial burden in deciding the best course for your care. LTC Insurance is the same kind of wise investment you make for yourself and your family as life insurance.

Overview of Advantages for Long-Term Care Insurance*:

  • Exclusive discounts for AAP members
  • Best in class from the top 25 carriers
  • Product variety for a custom plan to fit your budget and needs
  • Wider underwriting to cover more people and/or lower premiums

For additional information, visit the LTC Education Center.

Important Questions:

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Does Medicare or Medicaid pay for Long-Term Care?

Some services are covered, but others are not. Medicare only pays for long-term care if you require skilled service or rehabilitative. The majority of Long-Term Care falls under non-skilled assistance, which Medicare does not cover. Medicaid covers more aspects of long-term care, but you must meet income and asset requirements to qualify and choice may be limited, such as physicians and facilities.

Does Medical Insurance pay for Long-Term Care?

Some aspects of long-term care are covered by medical insurance, such as nursing services to recover from illness or injury, however they are not the same thing. Your medical benefits may be limited by a maximum benefit you may receive. Medical insurance is not designed to cover day-to-day living, but long-term care is.

Are my spouse or other family members covered?

Coverage is available at the discounted rate for both you and your spouse. Additional coverage can be purchased for parents, parents-in-law, and adult children.

Have more questions?

For more information on this coverage – features, costs, eligibility, renewability, limitations and exclusions – please download the brochure to the right or contact a specialist.

§Genworth 2018 Cost of Care Study

*The Long-Term Care Resources Network is only available for residents of the U.S. Coverage may vary or may not be available in all states.

With soaring healthcare costs, insurance restrictions and the need to stretch retirement savings more through the years... it's a good idea to seriously consider this valuable coverage while receiving a member premium discount.


Complete this form for more information or call 855-874-0103 to speak to an LTCRplus Advisor.

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