LTC Outline of Coverage
A personal consultation, of course, will help you better design a long-term
care plan to match the needs of you, your family, or your business,
but summarized below is an outline of the coverage available to you
as a member of the CalCPA.
- Available for purchase ages 18-84, depending on the carrier
- Unlike disability income insurance, there is no age cutoff for the
payment of long-term care expenses
- Premium discounts available for you, your
spouse, your parents and in-laws and adult children over age 18
- In addition, marital or domestic partner discounts available, as well
as "Preferred Health" discounts
- Inflation protection (optional)
- Basic coverages vary by carrier; numerous optional riders available
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- All applications are individually written
- Coverage available for home health care,
assisted living or a nursing home
- Reimbursement available for care
provided by family members with some policies
- Return of premium option available
- Business plans available to cover you
and your partners or key employees
- Voluntary plans offering LTC coverage for your employees available
(no cost to you as the employer)
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To learn more about LTC4CPAS, CalCPA's members-only long-term care
program, contact a CalCPA long-term care specialist toll-free
at (866) 799-9775.
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