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State Endorsements

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States across the country continue to endorse our Long Term Care Benefit Plan

Our Long Term Care Benefit Plan is now being endorsed by many states across the U.S.

As of March, 2014, California, Florida, Kentucky, Louisiana, Maine, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Texas and Washington have introduced policy conversion consumer disclosure legislation to educate policy owners about the option to sell a life insurance policy to fund a Long Term Care Benefit Plan.

The purpose of the new law is to ensure life insurance policy holders are being notified that they have a legal right to convert their policy to cover the costs for long term care. This law makes it mandatory that policy owners will be informed of this right by the state governments and that theLong Term Care Benefit Plan funds are protected and are only used to pay for the long term care services of their choice.

According to the Florida Health Care Association: Due to the Medicaid spend-down path, seniors currently in need of Medicaid long term care services must either cash surrender or outright abandon their policies. By allowing seniors to use the value of their life insurance policies to pay for much needed long term care services, this will give seniors more choice, including whether to receive care at home for a longer period of time or cover their nursing facility care costs if that type of medical care is more appropriate.


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