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Frequent Questions

AFSPA Long Term Care Plan FAQs

AFSPA no longer offers a Long Term Care (LTC) Insurance plan. Members who are enrolled in these plans are grandfathered in.

Due to security and concerns for protecting your privacy, ALL Direct Debit enrollments/changes will be handled through the AFSPA Member Portal.

Three e-mails will be generated: (1) an e-mail containing a secure PDF of your signed enrollment for your records; (2) an acceptance e-mail from the AFSPA Accounting Team that your Direct Debit has been processed and accepted; and (3) an e-mail when the first debit has occurred from your bank account.

All changes made online to your Direct Debit will be confirmed via e-mail.

You can also use the edit button to change bank information quickly and immediately.

To cancel direct debit, send a request via email or our secure forms page and indicate the date on which direct debiting should be cancelled. 

Yes, included in the plan is Home Support Services. This feature is not subject to the Elimination Period and provides an amount of money equal to 60 times your chosen Facility Daily Benefit for goods and services that could help you stay in your home, such as medic alert systems, home modifications, caregiver training, etc.

The International Coverage Benefit provides for reimbursement payable at 75% of the daily benefit for nursing home stays and 75% of the benefit for home care received outside outside the United States for up to 365 days. After receiving 365 days of coverage, the plan does not reimburse for services rendered outside the United States. The insured may use his or her Cash Alternative Benefit (50% of the Home Health Care Option) after exhausting 365 days of International Coverage Benefits or return to the United States for additional reimbursed care.

Yes, Long Term Care insurance plan issued by The Prudential Insurance Company of America includes a 90-day Elimination Period per lifetime.

Yes, this is a tax-qualified plan and therefore must adhere to the guidelines set forth by Section 7702B of the Internal Revenue Code.

The younger you are when you purchase this coverage, the lower your premium. Premiums are based on your age at time of enrollment. Your premium will not increase solely because you age or because your health declines. Rates can only be increased on a class basis.

Just like your medical insurance plan, Medicare is only designed to pay for skilled care, not custodial care. Medicare provides some coverage for skilled care in a nursing home up to 100 days and nothing after that. In order to qualify for Medicare benefits, you must first be hospitalized for at least three days and within 30 days of discharge be admitted into a skilled nursing facility receiving ‘rehabilitative’ care. Once your care is no longer classified as ‘rehabilitative,’ Medicare will no longer provide benefits. Medicare provides very limited home care and none for assisted living facilities or Alzheimer’s facilities. In the case of Medicaid, one must be at the Federal poverty level and essentially ‘spend down’ all assets and savings before qualifying for benefits. Under Medicaid you must receive your care at a Medicaid approved facility.

No, most medical plans provide benefits for skilled care and not custodial care. The difference is this: skilled care is treatment to improve our well-being (physical therapy, etc.) or rehabilitate us while custodial care is assistance with Activities of Daily Living, which include bathing, dressing, eating, toileting, transferring and continence.

Long Term Care refers to a very broad range of services provided over a prolonged period of time to help minimize or compensate for an individual’s loss of physical or mental functioning resulting from an illness, disability, cognitive impairment (such as Alzheimer’s disease) or simply the frailties of old age. The main reasons for Long Term Care insurance is to help offset the cost of Long Term Care services, help individuals retain their independence as long as possible, assure that they may have freedom and choice in where they receive assistance, and to help preserve their assets.

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