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Endorsed by the NYSUT Member Benefits Trust
NYLTCB offers a comprehensive portfolio of insurance and annuity products to plan for your future, protect your assets and preserve your independence. You’ve spent your career caring for others and making a brighter tomorrow. Now, it’s time to make sure your future is also planned out by becoming a client today.
TRADITIONAL LONG TERM CARE INSURANCE
Traditional long-term care insurance is a popular choice for covering services like home care, assisted living, and skilled nursing. It's highly customizable for cost control, with an option to add a premium refund rider. However, if unused, the policy typically has no remaining value.
Best Suited For: Individuals aged 35-70 who are primarily interested in long-term care benefits without the need for a death benefit.
Pros
- Highly customizable to fit different budgets
- Potentially affordable for most individuals
Cons
- No death benefit or residual payout if care is never needed
- Rates may increase over time
- Eligibility depends on medical qualifications
LIFE INSURANCE WITH A LONG-TERM CARE/CHRONIC ILLNESS RIDER
This permanent life insurance provides either an accelerated death benefit or an enhanced fund for long-term care needs like home care, assisted living, and skilled nursing. Policies can be funded over a lifetime, or with single, 5, 10, 15, or 20-year payment options.
Best Suited For: Individuals aged 25-60 who want permanent death benefit protection with potential long-term care coverage. This is also an option for those previously declined for traditional long-term care insurance due to different underwriting requirements.
Pros
- Income tax-free death benefit if long-term care is unused
- Cash benefits (tax-free up to a limit), with no reimbursement or provider approvals
- International coverage
Cons
- Higher premiums
- Limited options for inflation protection
HOME CARE SERVICE CONTRACTS
These service contracts offer the flexibility to receive care at home, helping to delay or avoid nursing home stays and reducing future burdens on family members. Care can be provided by licensed home care professionals or approved friends or neighbors for services like meal preparation, dressing, and personal hygiene.
Learn More about Home Care Options
Best Suited For: Individuals 70+ or those previously declined for traditional long-term care insurance, especially those planning for Medicaid but wishing to stay home as long as possible.
Pros
- No medical underwriting or age restrictions
- Flexible caregiver options
Cons
- Limited to home care; does not cover assisted living or nursing home care
- Capped home care hours with no option to upgrade
FIND YOUR BEST LONG TERM CARE PLAN.
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Big Savings
Members enjoy discounts that are not available to the general public.
Highly Acclaimed
Administered by NYLTCB, an award-winning, nationally recognized firm.
Personalized Service
Have personal access to a dedicated Long-Term Care planning specialist.
Members can take advantage of working with a truly caring group of LTC professionals.
NYSUT members receive a 5% discount on their long-term care policy if paid annually; a dedicated LTC planning specialist will work with you to find the most cost-effective and beneficial policy for you. Plus, members have access to multiple insurance carriers plans to ensure you choose the best coverage at the most competitive premium.
The Top 3 Reasons Why You Should Buy Long-Term Care Insurance
- 1 To be able to afford quality care in the setting you choose.
- 2 To protect the quality of life of your family and loved ones in the future.
- 3 To avoid placing the financial burden of care on your family and loved ones.
About NYLTCB
New York Long-Term Care Brokers (NYLTCB), located in Clifton Park, NY, is an award-winning and nationally recognized insurance intermediary specializing in Long-Term Care insurance. Combined, the employees of NYLTCB have more than 150 years of experience in Long-Term Care Planning. With access to multiple, highly-rated Long-Term Care Insurance companies, the specialists at NYLTCB offer unbiased guidance to help you craft the best plan for you and your family.
With New York Long-Term Care Brokers, eligible individuals get a long-term care insurance plan designed with their specific needs in mind. And with the discount provided to NYSUT members (along with marital/domestic partnership discounts and potential Preferred Health discounts), this important protection can be far more affordable than you may assume.
Our specialist from New York Long-Term Care Brokers made our insurance purchase seamless by answering all of our questions and guiding us through the process from beginning to end. What was particularly helpful was our specialist's extensive knowledge and Iow-keyed, no-pressure approach when furnishing information and options within our policy. We give NYLTCB and the NYSUT Member Benefits Trust-endorsed long-term care program our highest recommendation.
J.N. & K.N (Westchester County, NY)
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The New York Long-Term Care Brokers program is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 2.5% of first-year premium and 1% of renewal premium received in years 2-10. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.