Long-Term Care

  • Long-Term Care is available if offered by your employer. Check with your employer if this prodect is available to you.
  • 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 you're covered
  • Request a consultation to discuss your 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 ACSIA Partners 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: 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

    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.

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.