Connecticut Long Term Care Insurance Consumer's Guide & Directory from The Long Term Care Project; Help

Connecticut Long Term Care Insurance

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Our editors selected these web pages and brochures from government, education, and non-commercial sites as a cross section of information about these subjects.

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The resources on this page are intended to help you research and answer questions you might have about long term care insurance. If your need for information is more urgent --a complaint or problem related to insurance, for instance-- consider looking at these consumer help web sites first:

web page:
The Consumer Affairs Division

source: State of Connecticut Insurance Department
languages: English
about the web page: "contact phone numbers, email address, and list of sections under the Consumer Affairs Division"

more from State of Connecticut Insurance Department:
web page
Reporting and Filing Complaints Against Insurance Companies or Insurance Licensees
languages: English
from the brochure: "The Insurance Department encourages consumers who have a concern or complaint against an insurance company or insurance licensee to submit their concerns or complaints to the Department’s Consumer Affairs Division..."

web page:
Paying for Your Needs

source: State of Connecticut Long Term Care
languages: English
from the web page: "Determining how to pay for long-term care supports and services is a daunting task. There is no single answer, since everyone’s circumstances are different. For instance – * " "Do you have long term care insurance coverage? * " "Will you use personal income and assets to pay for all or part of your care? * " "Are you relying on Medicare or other benefits to cover some of the costs? * " "Do you qualify for one of the special programs funded by the state and/or federal government?..."

more from State of Connecticut Long Term Care:
web page
Planning for Long Term Care
languages: English
from the web page: "Types of Care & Supports You May Need... Everyone has different needs and a range of factors to consider when addressing them. In this section, we’ll walk you through various issues, help you determine specific needs, and then refer you to appropriate resources..."

web page:
Medicaid and Nursing Home Care - (What coverage does Medicaid provide for nursing home care?)

source: CTElderLaw.org - Connecticut Legal Services, Inc
languages: English
from the web page: "Medicaid, also known as Title 19, is a medical assistance program run by the Connecticut Department of Social Services (DSS). It is available to those who have limited income and assets and who can not pay their own medical costs...."

web page:
What To Look For in LTC Insurance

source: Connecticut Office of Policy and Management
languages: English
from the web page: "Insurance Features; Typical Options; CT Partnership Enhancements ..."

more from Connecticut Office of Policy and Management:
brochure
Connecticut Partnership Policies Can Save You Money
2 pages; languages: English
from the brochure: "Here is one example of how Connecticut Partnership Policies can save you money while protecting your assets....."

web page
Connecticut Partnership Frequently Asked Questions
languages: English
from the web page: "How much does a long-term care policy cost?...What is the risk of needing long-term care?..."

web page
Participating Insurance Companies in the Connecticut Partnership
languages: English
from the web page: "When calling, ask for information on "Connecticut Partnership" LTC policies. If you would like the company to refer you to an Agent, ask for a "Partnership Certified Agent."...

Note: We have marked participating companies with an asterisk * in the list of Individual Long Term Care Insurance Providers lower on this page. (Subject to change at any time. Source:Connecticut Office of Policy and Management; January, 2008)

publication
The Cost of Waiting to Buy Long-Term Care Insurance
2 pages; languages: English
from the publication: "The graph below compares the total premium cost and value of insurance benefits of a Partnership Policy depending on when it was purchased between ages 55 and 75. It is assumed premiums are paid annually until long-term care services are needed at age 85. The chart indicates that the best time to purchase long-term care insurance is prior to one's 60th birthday. This is due to the combined effects of low annual premiums (shown in red) that remain level, nd benefits (shown in blue) that increase by 5% compounded annually....."

web page:
The Connecticut Partnership for Long- Term Care

source: State of Connecticut Aging Services
languages: English
from the publication: "The State of Connecticut has joined forces with private insurance companies to provide Connecticut residents with..."

brochure:
Own Your Future - Planning guide for long-term care

source: National Clearinghouse for Long-Term Care Information
27 pages; languages: English
from the brochure: "...Planning options for your future; Understand long-term care insurance; Resources available for more information..."

Connecticut Individual Long Term Care Insurance Providers

This is a listing of companies approved to issue Individual Long Term Care policies in Connecticut according to the State of Connecticut Insurance Department as of May, 2006. Since companies change names, discontinue offering certain policies, merge with other companies, and go through other changes, do not use this data as a complete listing of every Long Term Care Insurance carrier in Connecticut. Service, coverage, and prices will vary between different carriers, so be sure to check with the individual company. Nothing on this web page should be construed as the giving of advice or the making of a recommendation. Please refer to the disclaimer notice at the bottom of this page.

We have endeavored to include a link to each company's Long Term Care Insurance pages whenever possible. If their is one, we try to link to the webpage specifically for Connecticut Long Term Care insurance. You should note that some companies do not have a website (or Long Term Care Insurance pages) that our editors could easily find using the Internet's largest search engines; or had a website, but did list Long Term Care as one of their insurance products.
AIG Life Insurance Company	P.O. Box 1591 Houston, TX 77251 302-594-2000
	AIG Life Insurance Company
Allianz Life Insurance Company of North America	P.O. Box 1344 Minneapolis, MN 55440-1344 763-765-6500
	Allianz Life Insurance Company of North America - Long Term Care Insurance
American Network Insurance Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	3440 Lehigh Street Allentown, PA 18103-7001 610-965-2222 (source: State of Connecticut Insurance Department; 5/22/2006

American Family Life Assurance Co of Columbus	1932 Wynnton Road Columbus, GA 31999 706-596-3914
	Aflac Long Term Care Insurance
Berkshire Life Insurance Company of America	700 South Street Pittsfield, MA 01201 800-505-8743
	Berkshire Life Insurance Company of America - Long Term Care Insurance
Bankers Life and Casualty Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	222 Merchandise Mart Plaza Chicago, IL 60654 312-396-6000
	Bankers Life and Casualty Company - Long Term Care Insurance (source: State of Connecticut Insurance Department; 5/22/2006
Catholic Order of the Foresters	355 Shuman Boulevard PO Box 3012 Naperville, IL 60566-7012 630-983-4900

Central States Health & Life Company of Omaha	PO Box 34350 Omaha, NE 68134-0350 402-397-1111 312-396-6000

Cincinnati Life Insurance Company (The)	PO Box 145496 Cincinnati, OH 45250-5496 513-870-2000
	Cincinnati Life Insurance Company
Combined Insurance Company of America	1000 North Milwaukee Avenue Glenview, IL 60025 312-381-1000
	Combined Insurance Company of America - Long Term Care Insurance
Continental General Insurance Company	PO Box 247007 Omaha, NE 68124-7007 402-397-3200
	Continental General Insurance Company - Senior Products
CUNA Mutual Life Insurance Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	2000 Heritage Way Waverly, IA 50677-9202 319-352-4090
	CUNA - Long Term Care Insurance (source: State of Connecticut Insurance Department; 5/22/2006
GE Capital Assurance Company --LTC Division Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	1650 Los Gamos Drive San Rafael, CA 94903-1899
	(source: State of Connecticut Insurance Department; 5/22/2006
Genworth Life *	1-888-436-9678
	Genworth Life - Long Term Care
Great American Life Insurance Company *	P.O. Box 5420 Cincinnati, OH 45201 513-357-3300
	Great American Life Insurance Company - Long Term Care Insurance
Hartford Life Insurance Company	P.O. Box 2999 Hartford, CT 06104-2999 860-843-5867

IDS Life Insurance Company	227 AXP Financial Center Minneapolis, MN 55474 612-671-3131

John Hancock Life Insurance Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	PO Box 111 Boston, MA 02117-0111 617-572-6000
	John Hancock Life Insurance Company - Long Term Care Insurance (source: State of Connecticut Insurance Department; 5/22/2006
Loyal American Insurance Company	PO Box 26580 Austin, TX 78755 512-451-2244

Massachusetts Mutual Life Insurance Company	PO Box 4243 Woodland Hills, CA 91365-4243 888-505-8952
	MassMutual - Long Term Care Insurance
MedAmerica Insurance Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	PO Box 41930 Rochester, NY 14604-0620 585-238-4209
	www.yourlongtermcare.com (source: State of Connecticut Insurance Department; 5/22/2006
Metropolitan Life Insurance Company * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	4100 Boy Scout Boulevard Tampa Bay, FL 33607 212-578-2211
	MetLife - Long Term Care Insurance (source: State of Connecticut Insurance Department; 5/22/2006
Minnesota Life Insurance Company	P.O. Box 4243 Woodland Hills, CA 91365-4243 888-505-9817
	Minnesota Life - Long Term Care Insurance
Mutual of Omaha	Mutual of Omaha Plaza Omaha, NE 68175 402-342-7600
	Mutual of Omaha - Long Term Care Insurance
Northwestern Long Term Care Ins. Co.	720 East Wisconsin Avenue Milwaukee, WI 53202-4797 414-665-2510

Physicians Mutual Insurance Company	2600 Dodge Street Omaha, NE 68131 402-633-1000
	Physicians Mutual - Long Term Care Insurance
Provident Life and Accident Insurance Company	One Fountain Square Chattanooga, TN 37402 423-755-1011
	UNUM - Long Term Care Insurance
Prudential Insurance Company of America *	213 Washington Street, 9^th Floor Newark, NJ 07102-2992 877-301-1212
	Prudential - Long Term Care Insurance
State Farm Mutual Automobile Insurance Co. * Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	One State Farm Plaza Bloomington, IL 61710-0001 309-766-2311
	State Farm - Long-Term Care Insurance Policies in Connecticut (source: State of Connecticut Insurance Department; 5/22/2006
State Life Insurance Co.	P.O. Box 4243 Woodland Hills, CA 91365-4243 888-505-8101
	State Life Insurance Co. - LTC Insurance
Teachers Insurance, and Annuity Association	730 Third Avenue New York, NY 10017 212-490-9000

Thrivent Financial for Lutherans (Formerly Aid Association for Lutherans)	4321 North Ballard Road Appleton, WI 54919-0001 920-734-5721
	Thrivent - Long Term Care Insurance
Thrivent Life Insurance Company **	625 Fourth Avenue, South Minneapolis, MN 55415 612-340-7000
	see Thrivent Financial for Lutherans
TIAA-CREF Life Insurance Company	730 Third Avenue New York, NY 10017 888-842-5433

Transamerica Life Insurance Company (Formerly PFL Life Insurance Company) Authorized to sell Individual policies under the Connecticut Partnership for Long Term Care	4333 Edgewood Road NE Cedar Rapids, IA 52499 319-398-8511
	(source: State of Connecticut Insurance Department; 5/22/2006
Transamerica Occidental Life Insurance Company	1150 South Olive Street Los Angeles, CA 90051-0110 213-742-2111

Union Labor Life Insurance Company	111 Massachusetts Avenue NW Washington, DC 20001 202-682-0900

Union Security Insurance Company	2323 Grand Blvd Kansas City, MO 64141-6052 816-474-2345

United American Insurance Company	PO Box 8080 McKinney, TX 75070 972-529-5085
	United American - Long Term Care Insurance

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The Long Term Care Project a consumer's guide to Connecticut Long Term Care Insurance topics: Connecticut Long Term Care Insurance, CN LTC
go to: Connecticut Individual Long Term Care Insurance Providers	Long Term Care Insurance Project Home
Connecticut Long Term Care Insurance A consumer's guide to assistance and help about Long Term Care Insurance in Connecticut, and Long term Care Planning, with a directory of Individual Long Term Care Insurance companies in Connecticut Registration is NOT required; this is a free service.
This is one section of The Connecticut Senior Living Project, a series of consumer directories that help organize information about Connecticut senior health and living issues. Our editors have chosen these recommendations to help you find answers to questions about Connecticut Long Term Care Insurance.

topics: Connecticut Long Term Care Insurance, CN LTC

Connecticut Long Term Care Insurance A consumer's guide to assistance and help about Long Term Care Insurance in Connecticut, and Long term Care Planning, with a directory of Individual Long Term Care Insurance companies in Connecticut