Long-Term Care (LTC) insurance is one option many people choose to provide financial protection when they can no longer perform the most basic functions of daily activity. LTC insurance coverage in Pennsylvania provides services in your home, a medical facility or a combination of the two.
It is our hope that you will use the following materials as a tool to learn about long-term care insurance and decide whether or not it’s right for you.
Long-Term Care Insurance Guide View Online | Download a PDF
Long-Term Care Worksheets Download a PDF
Long-Term Care Glossary View Online | Download a PDF
Companies Selling Long-Term Care Insurance | Download a PDF
Sample Rates and Policies | View On-Line
Long-Term Care Complaint Information | Download a PDF
Act 51 - Long-Term Care Benefit Trigger Determinations - In 2010, Pennsylvania signed into law Act 51. This law added a provision to existing long-term care insurance laws that grant the right appeal an insurance company's determination that a benefit trigger is not met. Benefit trigger determinations are subject to theight to an internal appeal and then to the right to an external independent review by an entity certified by the department. Please see the links below for more information:
Cover Letter soliciting Independent Review Organizations
Application for an Independent Review Organization
Certified Long-Term Care IRO's
Pennsylvania Bulletin Notice - Provisions of Act 51
The Long-Term Care Partnership - On July 17, 2007, Governor Edward G. Rendell signed into law Act 40 and established the Long-Term Care Partnership. The new law contains strong consumer protections, including a requirement that all long-term care policies in Pennsylvania offer comprehensive coverage, the ability to exchange existing policies for Partnership Policies and an increase in the guaranty fund to protect consumers against loss if an insurance company becomes insolvent.
The Partnership offers Pennsylvanians the opportunity to provide for their own needs while helping to conserve taxpayer resources.
Questions and answers about Pennsylvania's newest option for long-term care insurance can be viewed
online or you can
download a PDF.
Planning for your long-term living needs
Additional Long-Term Care Resources :
APPRISE Program
Office of Long Term Living
Pennsylvania Department of Aging
longtermcare.gov
Federal Planning Tool Kit
Helpful Online Resources:
