Who sells long-term care (LTC) insurance?
You can purchase long-term care (LTC) insurance from a large number of companies through insurance agents, or a variety of groups or employers. Some private employers sponsor LTC insurance, and public employers such as the California Public Employees’ Retirement System (CALPERS) and the Federal Employees Long Term Care Program (FLTCP) sponsor their own LTC programs. Some associations, such as the AARP, and fraternal and faith-based organizations also sponsor LTC insurance programs. Employers and other groups rarely pay any part of the premium. They simply make the insurance available to their employees or members, and sometimes to other family members as well. Health screening is still required, although active employees may be exempt from this requirement or subject to minimal screening for employer-sponsored coverage.
