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Your Long Term Care Rates + Plan
Premera Blue Cross has partnered with LTC Solutions, Inc., an expert in the long-term care insurance marketplace, and LifeSecure a well-established carrier in the industry. Together, we bring you the opportunity to purchase a valuable long term care insurance plan.
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Calculate Your Monthly Rates
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Benefit
|
Option 1
|
Option 2
|
Option 3
|
|---|---|---|---|
|
Benefit Bank
|
$100,000
|
$200,000
|
$300,000
|
|
Monthly Benefit
|
$2,000
|
$4,000
|
$6,000
|
|
Inflation Benefit
|
Not Included
|
Not Included
|
Not Included
|
|
Nonforfeiture Benefit
|
Not Included
|
Not Included
|
Not Included
|
|
|
Select age
|
Select age
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Benefit
|
Option 1
|
|---|---|
|
Benefit Bank
|
$100,000
|
|
Monthly Benefit
|
$2,000
|
|
Inflation Benefit
|
Not Included
|
|
Nonforfeiture Benefit
|
Not Included
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 2
|
|---|---|
|
Benefit Bank
|
$200,000
|
|
Monthly Benefit
|
$4,000
|
|
Inflation Benefit
|
Not Included
|
|
Nonforfeiture Benefit
|
Not Included
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 3
|
|---|---|
|
Benefit Bank
|
$300,000
|
|
Monthly Benefit
|
$6,000
|
|
Inflation Benefit
|
Not Included
|
|
Nonforfeiture Benefit
|
Not Included
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
Plans are available from $50,000 to $300,000. Click here to login to the enrollment system.
Plan and age limitations apply. Plan is not available for residents of California, Florida, Indiana, New York, and Vermont.
*In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.
LifeSecure Plan At a Glance
Explore Your Plan Brochure
View Sample Outline of Coverage
Learn More About LifeSecure
Have Questions? Explore our FAQs
View the Full FAQ PDF →You could need Long Term Care (LTC) because of an accident, illness, cognitive impairment or simply due to aging.
This plan is designed to help you and your family plan for the high cost of Long Term care.
You chose a benefit bank which is the total amount that you have to use towards your LTC. Of that benefit bank, you have 2% to use each month towards your LTC. As you receive your 2% monthly benefit payments, it spends down your total benefit bank and will last for 50 months.
Similar to car insurance or homeowners' insurance, if you never use the LTC benefit then you lose it.
Premiums are based on the age at which you apply for coverage. They do not increase each year as you get older. Insurance companies do reserve the right to increase rates.
When you need assistance and are certified by a physician as needing assistance with 2 out of 6
Activities of Daily Living (ADL’s) or you are diagnosed with cognitive impairment after the first 90 days. The ADL’s are bathing, eating, transferring, toileting, continence and dressing.
We're Here to Help
Licensed long-term care specialists are available to assist you in understanding the plan and rates.
Call (877) 286-2852
LTCiBenefitsTeam@ltc-solutions.com
Schedule A Consultation
Apply Now
Take advantage of this benefit and safeguard your future tomorrow.