Why Choose LTC CASH™?™

CASH long-term care insurance is a comprehensive, tax-qualified, Federal Partnership approved long term care insurance product offering coverage that is relevant to today’s consumers. Sold in face amounts, with no contract definitions, limitations or restrictions, CASH’s high quality and value is readily apparent. When benefit-eligible, the policy will pay a 100% guaranteed CASH benefit, regardless of the cost of services or the type of services used.

CASH’s innovation is that it pays cash from a personal Cash Benefit Account. Cash Benefit Accounts are available in varying amounts from $100,000 to $1 million and can grow over time using various inflation protection options. When a policyholder becomes benefit eligible, the Cash Benefit Account is distributed in a Monthly Cash Benefit check payable to the insured. The amount paid is not dependent upon receiving services, so a person can use the funds as they choose; no company approval required.

CASH is for consumers who are concerned about having their family and lifestyle disrupted if they ever become disabled, yet have been reluctant to purchase traditional long-term care insurance because of its complexity.

LTC CASH™ is truly a simple program that protects all three phases of life. It pays tax-free benefits in cash during working years. Furthermore it is fully portable and does not go away at age 65 like most company benefits do. During retirement, CASH covers long term care needs. If an individual goes on claim, premiums are waived. Best of all, if benefits are never used, premiums are returned 100% at death.

CASH has already earned the highest independent rating of any long-term care insurance product on the market.

“Everyone understands a bank account,” says Brian Emswiler, LTCIS, CEO of Long Term Care Insurance Advisors, Inc. “Why not enable people to have an account set aside for their long-term care needs? Like a bank account withdrawal, benefits are paid in cash, to the policyholder.”

"Baby Boomers are shouldering a financial risk that could devastate their finances and families,” says Emswiler. “Traditional long-term care insurance is too complicated and limited to defined-care settings, such as nursing facilities, that are available in today’s world. With advances in technology and medicine, who can define or predict how care will be delivered in 20 or 30 years?” ‘Smart’ homes with computerized assistance devices, GPS monitoring, and even robotics will enable people to preserve their lifestyle while receiving skilled care in their own homes,” he explains.

"Boomers should have access to coverage that is truly relevant to their particular needs, desire for independence and aversion to having to end up in a nursing home,” says Emswiler. “That’s why CASH, with its Cash Benefit Account was developed. Nothing beats having a steady stream of cash guaranteed when you need it for whatever you choose.”

And… it’s not all about the money. With CASH, you can receive care from either a nurse if you choose or a family member, who can receive payment while helping you in your time of need. You can keep loved ones near without burdening them. Either way, CASH gives you 100% control of the care that you want and need.

Regardless of when you may need care – tomorrow or years from now – you’ll have peace of mind knowing that once you are benefit eligible, you will receive a CASH benefit to provide the care and services you want and need. Traditional reimbursement products can’t do that.

No worries!