Long-Term Care Insurance , get them when you are in your 40s

Long-term care (LTC) coverage helps pay for the high cost of care when you need assistance with the activities of daily living. CalPERS LTC is an optional, employee-paid benefit available to all current and former members (including retirees) and their eligible family members, including:

  • Children and siblings between the ages of 18 and 79
  • Parents
  • Parents-in-law
  • Spouses
  • And many additional relatives

Visit the CalPERS LTC website to:

  • Apply*
  • Customize a plan and get a quote
  • Learn about the cost of care
  • Log in to or register your account

*Eligible family members can apply for CalPERS LTC, even if the active member or retiree does not have coverage.

Contact CalPERS Long-Term Care

Contact CalPERS LTC for questions about:

Existing Coverage
(800) 982-1775

Purchasing New Coverage
(800) 908-9119


Group Long Term Care

Unum no longer markets the sale of new group or individual policies for long term care (LTC) insurance. But if you have Unum LTC coverage, rest assured: We are committed to all current policyholders — now and in the future — with the same benefits, services and support for a period of long term care.


The New York State Partnership for Long Term Care(NYSPLTC) is a special Department of Health program combining private long term care insurance with Medicaid Extended Coverage (MEC). The NYSPLTC helps New Yorkersprepare for the possibility of needing nursing home care, assisted living care or home care.


The Top Ten Long-Term Care Insurance Companies
  • CLTC Insurance Services
  • ACSIA Partners
  • Mutual of Omaha
  • New York Life
  • MassMutual
  • Northwestern Mutual
  • Genworth Financial
  • TransAmerica LongTerm Care

Note:

In the bay area, if you do not own a real estate property, try applying for In Home Health Support Services. The county pays $15 per hour for caregivers for homebound seniors.

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