Long-Term Care Insurance

Long-term care provides assistance to people who need help over an extended period of time with the activities of daily living. It also provides care for people with cognitive impairment, such as Alzheimer's Disease. Long-term care can help to protect your assets later in life or in the event of a disability, at any age.

While most adult children would willingly take care of an aging parent if the need arose, it may become impossible due to the circumstances of the care needed. A Long-Term Care Insurance Policy from The State Life Insurance Company can help give you the opportunity to make your own life-style choices.

Policy Features:

• Facility Care Benefit

• Respite Care Benefit

• Waiver of Premium

• Bed Reservation Benefit

• Personal Care Advisor

• Restoration of Benefits

• Also Available:  Home & Community Based Benefit

SAMPLE RATES

MALE or FEMALE, AGE 40, PREFERRED (highest) RATE CLASS

 90 Day Elimination Period, Simple Inflation Rider

To sign up, or for additional information on these valuable insurance programs please call us toll free at 1-866-423-3757. Please provide the representative with your IAFF Local # for identification purposes.

Coverage provided by Policy Series S-8000-P, et al. (In ID, S-8000-P-ID, In PA S-8000-P-PD, in NC S-8000-NC, & in TX S-8000-P-TX). Underwritten by: The State Life Insurance Company of Indianapolis, IN Limitations and Exclusions

No benefits will be paid for any confinement, care, treatment, or services:

• Provided to you by a person in your family (except if the Informal Caregiver Indemnity Benefit Rider is purchased)

• Provided outside the US or its territories, or Canada, except benefits are provided outside the U.S., its territories, or Canada for up to 30 days per calendar year

• For which you have no financial liability or that is provided at no charge in the absence of insurance Provided in facilities operated primarily for the treatment of alcoholism or drug addiction

• Provided in facilities operated primarily for the treatment of Mental or Nervous Disorders. However, this shall not operate to exclude coverage for loss which results from Alzheimer’s or any other demonstratable organic disease such as senile dementia.

• For any claim, bill or other demand or request for payment for health care services provided and determined to be furnished as a result of a referral prohibited by §1-302 of the Health Occupations Article. (in MD only)

• Providing duplication of benefits provided under any Motor Vehicle Responsibility Law (in PA only)

These may vary by State

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