Long-Term Care Information

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

The cost of your long-term care policy is based on:

  • How old you are when you buy the policy
  • The maximum amount that a policy will pay per day
  • The maximum number of days (years) that a policy will pay
  • The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
  • Any optional benefits you choose, such as benefits that increase with inflation

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting.  In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher "non-standard" rate.  Some group policies do not require underwriting.

For more information about long-term care insurance, please see the Shoppers Guide to Long Term Care Insurance or call SHIIP toll-free at 1-855-408-1212 Monday through Friday from 8am to 5pm.

Long-Term Care Partnership Insurance Policies in NC

The following companies sell LTCP product(s) in North Carolina. Contact the companies directly for information on enrollment, coverages, and premium costs.

  • Bankers Life & Casualty - 1-800-621-3724
  • Genworth Life Insurance Company - 1-800-456-7766
  • Mutual of Omaha Insurance Company - 1-800-896-5988
  • Northwestern Long-Term Care Insurance Company - 1-800-890-6704
  • State Farm Mutual Automobile Insurance Company - 1-866-855-1212
  • Thrivent Financial – 1-800-847-4836
  • Transamerica Life Insurance Company - 1-800-227-3740
  • United of Omaha Life Insurance Company - 1-800-896-5988

Related Publications

Files

https://www.ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip/long-term-care-information