What is Group Long-Term Care Insurance?
Group LTC insurance helps employees pay for in-home care, assisted living, or nursing home stays due to chronic illness or disability—offering financial protection and peace of mind.
Covered Services:
In-Home Care
Assisted Living
Nursing Home Care
Adult Day Care
Personal Care Support
Family Benefits
FAQ
Who can enroll in group LTC insurance?
Usually, all benefits-eligible employees can enroll. Some plans also offer coverage to spouses, partners, and family members.
What triggers benefits?
Benefits begin when the insured needs help with two or more activities of daily living (ADLs), or has a cognitive impairment.
Are premiums lower than individual LTC?
Group rates are often more affordable than buying LTC coverage individually, and may offer simplified underwriting or guaranteed acceptance.
Does coverage continue after leaving the job?
Some plans allow you to keep coverage as an individual policy if you leave employment—ask about portability options.