Long-Term Care

  • Long-Term Care Insurance Can Help Employees:
    • Receive care in the comfort of their home:
    • Protect their home, savings, and family assets 
    • Choose where and by whom employees receive care
    • Avoid a nursing home facility
    • Peace of mind knowing they’re covered
  • Employees should request a consultation to discuss their eligibility and need for Long-Term Care Insurance.

    Request a consultation: http://ltcfp.biz/seventh-day/employees/freeguide.aspx
  • Visit http://ltcfp.biz/seventh-day/employees/howitworks.aspx

    Call 866-862-1457 to learn more
  • Q: What services are covered?

    A: Long-term care insurance policy will pay benefits for services you receive at home, in an assisted living facility and in a nursing home.

    Q: How long will I receive benefits?

    A: As long as you remain eligible for benefits, your policy will continue to pay until the maximum lifetime benefit amount of the policy is reached.

    Q: When am I eligible to receive benefits?

    A: You are eligible to receive benefits under your policy when a licensed health-care practitioner submits a plan of care that certifies:

    • You are chronically ill meaning you require assistance performing at least two of the six activities of daily living for a period expected to last at least 90 consecutive days.
    • Or you need continual supervision due to a severe cognitive impairment.
    • And recommended services are included under your policy.

    Q: When will benefits be payable?


    • If you elect to receive policy benefits in cash, there is no waiting period. Cash benefits are available beginning with the first day of qualified need.
    • If you elect to be reimbursed for actual long-term care expenses, your policy will begin paying benefits after you satisfy the policy’s elimination period.

The benefits described on this website are the employer-provided and voluntary benefits available for employees of the Seventh-day Adventist® church based in the United States. Adventist Risk Management,® Inc. works with Adventist Church employers to provide these benefits for their employees. Information available on this website may include region-specific information. Please refer to your employer for complete details of which benefits are customized for you.

© 2019 Adventist Risk Management,® Inc.