Long Term Care

AFSPA has been sponsoring long term care plans since 1990 as we strongly believe that this coverage can be a very important part of an individual's portfolio. We also realize that one plan does not fit all, so as long term care products have evolved, we enhanced our long term care offerings to provide the best possible product for our members.

We are pleased to reintroduce Signature Financial Partners LLC, to assist you with your long term care planning. We have been working with them since 2002. Over the years the industry has changed dramatically and has prompted us to make available several plans to meet the unique needs of our membership.

If you are interested in learning more, please contact Daryl Brockman at (703) 893-2550 or by email [email protected].


Signature Financial Partners:

  • 401k Management
  • Asset Management Executive Benefits
  • Estate Planning Strategies
  • Long Term Care Planning
  • Retirement Planning

Contact Daryl Brockman at (703) 893-2550 or by email [email protected].


We are no longer accepting applications for the Mutual of Omaha LTC Plan. However, every 5 years if you have an existing policy, we will be contacting you about the Benefit Increase Option.

If you have any questions, please contact us at (202)833-4910 during our office hours of 8:30 am to 4:15 pm (ET), Monday - Friday. Also, you may e-mail us at [email protected]

To request a claim form or start a claim, call 1-800-877-1052


We no longer sell the John Hancock LTC products, Customer Care and Leading Edge. If you have purchased either one of these policies, please contact John Hancock directly at their customer service number of 1-800-377-7311 or visit www.johnhancockinsurance.com


As of June 30, 2013, AFSPA will no longer offer long term care insurance through Prudential Insurance Company of America. Prudential has discontinued selling long term care insurance to concentrate on their core business model.

Note: If you have purchased a policy/coverage through Prudential, you can keep your plan as long as you pay the required premiums.

If you have questions or wish to file a claim under your long term care policy, please call Prudential at 1-800-732-0416.

Overview

Long Term Care

AFSPA has been sponsoring long term care plans since 1990 as we strongly believe that this coverage can be a very important part of an individual's portfolio. We also realize that one plan does not fit all, so as long term care products have evolved, we enhanced our long term care offerings to provide the best possible product for our members.

We are pleased to reintroduce Signature Financial Partners LLC, to assist you with your long term care planning. We have been working with them since 2002. Over the years the industry has changed dramatically and has prompted us to make available several plans to meet the unique needs of our membership.

If you are interested in learning more, please contact Daryl Brockman at (703) 893-2550 or by email [email protected].


Signature Financial Partners:

  • 401k Management
  • Asset Management Executive Benefits
  • Estate Planning Strategies
  • Long Term Care Planning
  • Retirement Planning

Contact Daryl Brockman at (703) 893-2550 or by email [email protected].

Mutual of Omaha LTC

We are no longer accepting applications for the Mutual of Omaha LTC Plan. However, every 5 years if you have an existing policy, we will be contacting you about the Benefit Increase Option.

If you have any questions, please contact us at (202)833-4910 during our office hours of 8:30 am to 4:15 pm (ET), Monday - Friday. Also, you may e-mail us at [email protected]

To request a claim form or start a claim, call 1-800-877-1052

John Hancock LTC

We no longer sell the John Hancock LTC products, Customer Care and Leading Edge. If you have purchased either one of these policies, please contact John Hancock directly at their customer service number of 1-800-377-7311 or visit www.johnhancockinsurance.com

Prudential LTC Solid Solutions

As of June 30, 2013, AFSPA will no longer offer long term care insurance through Prudential Insurance Company of America. Prudential has discontinued selling long term care insurance to concentrate on their core business model.

Note: If you have purchased a policy/coverage through Prudential, you can keep your plan as long as you pay the required premiums.

If you have questions or wish to file a claim under your long term care policy, please call Prudential at 1-800-732-0416.

FAQs (9)

What do I need to know about direct debit enrollments, changes, and cancellations?

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. 

 

Are there any special features in my policy that are designed to help me stay at home?

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.

This plan offers an International Coverage Benefit; however, care or treatment provided outside the United States are not covered based on plan exclusions. How does this work?

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.

Is there a Benefit Waiting/Elimination Period with this insurance plan?

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

Is this plan a tax-qualified plan?

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

As a young member, why should I consider buying Long Term Care coverage now?

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.

Won't Medicare or Medicaid (MediCal) pay for Long Term Care services?

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.

Question I have medical insurance; won't this pay for my Long Term Care services?

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.

What is Long Term Care and why is insurance advisable?

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.

 

FORMS & BROCHURES (3)

Form

Description

Action

Contact Long Term Care
Long Term Care Form
Mutual of Omaha Certificate Booklet
Mutual of Omaha Certificate Booklet
Mutual of Omaha Certificate Booklet - Texas
Mutual of Omaha Certificate Booklet - Texas