The Long Term Care Project   a consumer's guide to Connecticut Long Term Care Insurance

topics: Connecticut Long Term Care Insurance, CN LTC

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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

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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.

Connecticut 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.
Note: You will need the Adobe® Reader® software to open and read some of these publications. Get it from Adobe®


When something goes wrong or you have a problem...

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, 9th 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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