Chronic illness or injury can often leave people unable to care for themselves. While Long-Term Disability (LTD) insurance provides income protection to the insured person if they become disabled, the Long-Term Care Insurance Plan is designed to pay a portion of expenses related to nursing and home health care.

Coverage Options
Individualized polices can be designed to best suit your needs. Coverage can be purchased on you, your spouse or domestic partner, and your parents and parents-in-laws. For the definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Benefits provided by this insurance include:

• Nursing home care - daily benefits from $50 to $500 per day
• Home health care - daily benefits from $50 to $500 per day
• Adult day care and assisted living - daily benefits from $50 to $500 per day
• Pool of money - allows benefit dollars to be paid over a longer period of time
• Shared care - allows couples to have one benefit pool to share
• Non-forfeiture - rider allows some continued coverage after cancellation of policy.

For information on annual and lifetime limits, contact Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513. This insurance is fully underwritten which means that a full medical history is required at the time of application.

Cost of Coverage
The discounted cost of coverage varies depending on the individuals covered, selection of coverage amount, length of time the benefit is paid, and the waiting period before the benefit begins. Premiums are set-up on a bill-at-home basis and are not payroll deducted.

Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513.

Note: This benefit is available for enrollment through age 84 with plan continuation indefinitely.