Virginia Long Term Care Insurance Assistance, Companies, & Help: A Consumer's Guide

Virginia Long Term Care Insurance

We do not sell, endorse or recommend any product or service.
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:
Special Assistance for Seniors

source: Virginia: Bureau of Insurance
languages: English
about the web page: "Consumer Guides and Lists; Important Phone Numbers and Addresses; 2008 Medicare Changes; 2008 Tax Qualified Long-Term Care Figures; The Medicine Program - patient assistance programs to help those who qualify to receive free prescription medications; Prescription Drug Assistance Programs Available in Virginia ; Senior Web Links "

more from Virginia: Bureau of Insurance:
web page
Want to File a Complaint?
languages: English
from the web page: "The State Corporation Commission’s Bureau of Insurance (BOI) responds to thousands of individual consumer inquiries and complaints each year. The BOI’s Consumer Service Sections provide free professional information and complaint services to all residents of Virginia. ..."

web page
Consumer Assistance
languages: English
from the web page: "Here at the Bureau of Insurance, we truly believe that our mission is to provide assistance to Virginia citizens who have questions or problems involving insurance. We cannot solve every problem, but please give us a chance to try to help. We do not claim to work miracles, but we are, in many cases, successful in achieving positive results..."

web page:
Virginia Insurance Counseling and Assistance Program (VICAP)

source: Virginia Department for the Aging
languages: English
from the web page: "Are you confused about what type of insurance you need, or whether you have enough insurance coverage? Are you having problems making sense of your medical bills? If so, the Virginia Department for the Aging (VDA) may be able to help you. ..."

brochure:
Facts About Long-Term Care Insurance In Virginia

source: Own Your Future - Virginia
5 pages; languages: English
from the brochure: "...Requirements for Long-Term Care Insurance Policies Issued in Virginia: • There can be no requirement for a prior hospital or skilled nursing home stay as a trigger for benefits. • All pre-existing conditions must be covered after six months. • Policies must be guaranteed renewable or noncancellable...."

more from Own Your Future - Virginia:
web page
Aging Well
languages: English
from the web page: "All Virginia citizens can "Own Their Future" by taking time to prepare for their long-term care needs as they age. Planning for long-term care involves more than just purchasing long-term care insurance. Taking control over your health, gaining a better understanding of the various types of long-term services, and exploring housing needs as you age, are other ways to plan for your future. ..."

publication:
WHEN DOES MEDICAID PAY FOR LONG-TERM CARE?

source: Virginia Poverty Law Center- VaLegalAid.org
languages: English
from the publication: "There are many Medicaid covered groups. Most older Medicaid applicants must fit within one of the groups below to be eligible. However, this is not an exclusive list.

SSI. Most persons who are eligible for Supplemental Security Income (SSI) are also eligible for Medicaid. A person must be aged (65+), blind, or disabled, have limited income, and have countable resources below the SSI limit ($2000 for an individual; $3000 for a couple) to qualify for SSI. Virginia Medicaid has more restrictive eligibility rules than SSI regarding whether certain assets are exempt; therefore some ...."

brochure:
Facts About Long-Term Care Insurance In Virginia - Shop Carefully and Avoid Pitfalls

source: Virginia: Bureau of Insurance
6 pages; languages: English
from the brochure: "Requirements for Long-Term Care Insurance Policies Issued in Virginia..."

more from Virginia: Bureau of Insurance:
brochure
Long-Term Care Insurance Personal Worksheet
4 pages; languages: English
from the brochure: "People buy long-term care insurance for many reasons. Some don’t want to use their own assets to pay for long-term care. Some buy insurance to make sure they can choose the type of care they get. Others don’t want their family to have to pay for care or don’t want to go on Medicaid. But long-term care insurance may be expensive, and may not be right for everyone...."

brochure
Virginia Long-Term Care Insurance Rate Guide
35 pages; languages: English
from the brochure: "...We designed this consumer Guide to give you some basic pricing information and general facts about individual Long-Term Care Insurance. As with our auto, homeowners, health and life insurance guides, this Guide offers information to familiarize you with Long-Term Care products generally and with important considerations you should make in deciding how best to finance your long-term care needs. By making wise decisions, an educated consumer becomes a protected consumer...."

brochure
2008 Tax Qualified LTC Figures
1 page; languages: English
from the brochure: "YOUR AGE - MAXIMUM AMOUNT THAT YOU CAN CLAIM..."

web page
Privacy & Insurance Information Practices
languages: English
from the web page: "Questions and Answers for House Bill No. 2157 ...."

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..."

A Note About The Virginia Long-Term Care (LTC) Partnership:
The Long Term Care Partnership, a joint program between the federal and state governments, is an important topic that should be investigated by anyone seeking information about or considering a purchase of Long Term Care Insurance. We leave it to our readers to decide wether this program is for them --or not-- but urge you to take the time to aquaint yourself with the program as part of your consumer education in the field of Long Term Care Insurance.

Note: We have marked participating Long-Term Care (LTC) Partnership companies with a blue background highlight in the list of Long Term Care Insurance Providers lower on this page. (Subject to change at any time. Source:Virginia State Corporation Commission; January, 2008)

web page:
The Virginia Long-Term Care (LTC) Partnership

source: VIRGINIA LONG-TERM CARE PARTNERSHIP
languages: English
from the web page: "The Virginia Long-Term Care (LTC) Partnership is designed to reward Virginians who plan ahead for future long-term care needs. With the Partnership's Dollar-For-Dollar Asset Protection, Virginians can protect personal assets if there is a need to apply for Medicaid...."

more from VIRGINIA LONG-TERM CARE PARTNERSHIP:
web page
FAQ's -Questions about the Partnership and Partnership Policies
languages: English
from the web page: "...Q: What is the advantage of a Partnership Policy over a non-Partnership Policy?

Partnership and non-Partnership policies are virtually the same except that Partnership Policies have the added benefit of the Dollar-For-Dollar Asset Protection. This benefit allows policyholders to protect a portion of their assets if they choose to apply for Medicaid. Agents who wish to sell Partnership Policies are required to attend ongoing certification training on the Partnership; it is not required of those who sell only non-Partnership policies...."

web page
Glossary
languages: English
from the web page: "...Dollar-For-Dollar Asset Protection : Normally people become eligible for Medicaid when their assets are below $2,000. Partnership Policyholders are allowed to protect assets equal to the LTC insurance benefits paid on their behalf. This amount of assets is disregarded in the eligibility determination. .."

publication:
Long-Term Care Partnership Expansion: A New Opportunity for States

source: Center for Health Care Strategies, Inc
8 pages; languages: English
from the publication: "...One vehicle for encouraging consumers to invest in LTC insurance is the expansion of the Partnership for Long-Term Care, a unique insurance model developed in the 1980s with support from the Robert Wood Johnson Foundation (RWJF). Through the Partnership program states promote the purchase of private LTC insurance by offering consumers access to Medicaid under special eligibility rules should additional LTC coverage (beyond what the policies provide) be needed..."

Virginia Long Term Care Insurance Providers

This is a listing of companies that have had one or more individual long-term care policy forms approved for sale in Virginia on or after January 1, 1992, according to the Virginia State Corporation Commission. The fact that a company has one or more approved forms does not necessarily mean the company is actively selling these products in Virginia. There may be other companies that offer long-term care insurance in this state.

When a company issues federally qualified long-term care policies we have tried to note it in their listing. 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 Virginia. 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. This list is given to you for informational purposes only and does not constitute an endorsement in any way.

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 Virginia 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. Companies with approved Virginia individual long-term care partnership policies are highlighted with a blue background. Long-term care partnership policies may be issued in Virginia on and after September 1, 2007.
Allianz Life Insurance Company of North America	5701 Golden Hills Drive Minneapolis, MN 55416 (800) 950-1962
	Allianz Life Insurance Company of North America - Long Term Care Insurance Federally qualified long-term care policies
American Family Life Assurance Co of Columbus	1932 Wynnton Road Columbus, GA 31999 (800) 992-3522
	Aflac Long Term Care Insurance Federally qualified long-term care policies
American Fidelity Assurance Company	2000 N Classen Blvd. Oklahoma City, OK 73106 (800) 654-8489
	www.af-group.com Federally qualified long-term care policies
American Network Insurance Company	3440 Lehigh Street Allentown, PA 18103-7001 (800) 222-3469
	www.penntreaty.com Federally qualified long-term care policies
Auto-Owners Life Insurance Company	P. O. Box 30660 Lansing, MI 48909 (800) 346-0346
	www.auto-owners.com Federally qualified long-term care policies
Bankers Life and Casualty Company	222 Merchandise Mart Plaza Chicago, IL 60654 (800) 231-9150
	Bankers Life and Casualty Company - Long Term Care Insurance Federally qualified long-term care policies
Berkshire Life Insurance Company of America	700 South Street Pittsfield, MA 01201 (800) 819-2468
	Berkshire Life Insurance Company Federally qualified long-term care policies
Combined Insurance Company of America	1000 Milwaukee Avenue Glenview, IL 60025 (800) 999-2170
	Combined Insurance Company of America - Long Term Care Insurance Federally qualified long-term care policies
Continental General Insurance Company	6201 Johnson Drive Mission, KS 66102 (800) 284-2898
	Continental General Insurance Company - Senior Products Federally qualified long-term care policies
CUNA Mutual Life Insurance Company	2000 Heritage Way Waverly, IA 50677-9202 (866) 245-7133
	CUNA - Long Term Care Insurance Federally qualified long-term care policies
Equitable Life & Casualty Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	3 Triad Center Salt Lake City, UT 84180-1202 (800) 352-5124
	Equitable Life & Casualty Insurance Federally qualified long-term care policies
Genworth Life Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	3100 Albert Lankford Drive Lynchburg, Virginia 24501-4948 (800) 456-7766
	www.genworth.com Federally qualified long-term care policies
Great American Life Insurance Company	P. O. Box 5420 Cincinnati, OH 45201 (866) 830-0607
	Great American Life Insurance Company - Long Term Care Insurance Federally qualified long-term care policies
Golden Rule Insurance Company	712 Eleventh Street Lawrenceville, IL 62439-2395 (800) 265-7791
	Golden Rule Insurance Company Federally qualified long-term care policies
Guarantee Trust Life Insurance Company	1275 Milwaukee Avenue Glenview, IL 60025 (800) 338-7452
	Guarantee Trust Life Insurance Federally qualified long-term care policies
John Hancock Life Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	333 West Everett Street P. O. Box 2986 Milwaukee, WI 53203 (800) 377-7311
	John Hancock Life Insurance Company - Long Term Care Insurance Federally qualified long-term care policies
Knights of Columbus	P. O. Box 1670 New Haven, CT 06507-0901 (800) 214-9825 Policies are only available to members of the association.
	Knights of Columbus Federally qualified long-term care policies
Lafayette Life Insurance Company (The)	PO Box 7007 Lafayette, IN 47903-7007 (800) 243-6631
	Lafayette Life Insurance Company Federally qualified long-term care policies
Loyal American Life Insurance Company	P. O. Box 26580 Austin, TX 78755-9004 (800) 633-6752
	Loyal American Life Insurance Federally qualified long-term care policies
Madison National Life Insurance Company	P. O. Box 5008 Madison, WI 53705 (608) 830-2000

Massachusetts Mutual Life Insurance Company	1295 State Street Springfield, MA 01111 (800) 272-2216
	MassMutual - Long Term Care Insurance Federally qualified long-term care policies
MedAmerica Insurance Company	PO Box 41930 Rochester, NY 14604-0620 (800) 544-0327
	www.medamericaltc.com Federally qualified long-term care policies
Metropolitan Life Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	7805 Hudson Road, Suite 180 Woodbury, MN 55125 888) 565-3761
	MetLife - Long Term Care Insurance Federally qualified long-term care policies
Minnesota Life Insurance Company	400 Robert Street North St. Paul, MN 55101 (800) 643-5728
	Federally qualified long-term care policies
Mutual of Omaha Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	Mutual of Omaha Plaza Omaha, NE 68175 (800) 775-6000
	Mutual of Omaha - Long Term Care Insurance Federally qualified long-term care policies
National Life Insurance Company	1 National Life Drive Montpelier, VT 05604 (800) 732-8939
	Federally qualified long-term care policies
National States Insurance Company	1830 Craig Park Court St. Louis, MO 63146-6925 (800) 868-6788
	Federally qualified long-term care policies
New York Life Insurance Company	51 Madison Avenue New York, NY 10010 (800) 884-4582
	New York Life Insurance - Long Term Care Insurance Federally qualified long-term care policies
Northwestern Long Term Care Ins. Co.	720 East Wisconsin Avenue Milwaukee, WI 53202-4797 (800) 807-2665
	www.nmfn.com Federally qualified long-term care policies
Penn Treaty Network America Insurance Company	3440 Lehigh Street Allentown, PA 18103-7001 (800) 222-3469
	www.penntreaty.com Federally qualified long-term care policies
Provident Life and Accident Insurance Company	One Fountain Square Chattanooga, TN 37402 (800) 336-3969
	UNUM - Long Term Care Insurance Federally qualified long-term care policies
Prudential Insurance Company of America Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	P. O. Box 8519 Philadelphia, PA 19176-9519 (800) 732-0416
	Prudential - Long Term Care Insurance Federally qualified long-term care policies
Southern Farm Bureau Life Insurance Company	P. O. Box 78 Jackson, MS 39205 (800) 457-9611
	Southern Farm Bureau Life Insurance Federally qualified long-term care policies
State Farm Mutual Automobile Insurance Co.	One State Farm Plaza Bloomington, IL 61710-0001 309-766-2311
	State Farm - Long-Term Care Insurance Policies in Virginia Federally qualified long-term care policies
State Life Insurance Co.	One America Financial Partners, P. O. Box 406 Indianapolis, IN 46206 (800) 428-2316
	State Life Insurance Co. - LTC Insurance Federally qualified long-term care policies
Teachers Protective Mutual Life Insurance Co.	116-118 N Prince Street P. O. Box 597 Lancaster, PA 17608-0597 (717) 394-7156

Transamerica Occidental Life Insurance Co.	4333 Edgewood Road NE Cedar Rapids, IA 52499 (213) 742-2111
	Federally qualified long-term care policies
United American Insurance Company	PO Box 810 Dallas, TX 75070 972-529-5085
	United American - Long Term Care Insurance Federally qualified long-term care policies
United of Omaha Life Insurance Company Approved individual long-term care partnership policies. (source: State Corporation Commission; 1/7/2008)	Mutual of Omaha Plaza Omaha, NE 68175 (402) 342-7600
	Mutual of Omaha
United Teacher Associates Insurance Company	P. O. Box 26580 Austin, TX 78755-0580 (800) 880-8824
	www.utaic.com Federally qualified long-term care policies
Unum Life Insurance Company of America	2211 Congress Street Portland, ME 04122 (800) 638-7747
	Unum Life Insurance Company Federally qualified long-term care policies
Woodmen of the World Life Ins. Society	1700 Farnam Street Omaha, NE 68102 (402) 342-1890 Woodmen of the World Life Ins. Society is a fraternal benefit society. Policiesare only available to members of the association.
	Woodmen of the World Life Ins. Society Federally qualified long-term care policies

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

topics: Virginia Long Term Care Insurance, VA LTC

Virginia Long Term Care Insurance A consumer's guide to assistance and help about Long Term Care Insurance in Virginia and planning for Long Term Care in Virginia, with a directory of Individual Long Term Care Insurance companies in Virginia