LTCRplus Long-Term Care Insurance Review

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LTCRplus - Overview

LTCRplus is part of the larger Long Term Care Resources entity. Over the last 20 years, LTCR has helped more than 600,000 families with all facets of planning for an extended care need. One of the company's core tenets is that simply planning for a future care situation is not sufficient. Families need help with their current care situations, and resources for that help are disjointed and scarce.

LTCRplus was created to assist families with all aspects of a current or future extended care need. There are 4 major categories to the LTCRplus program:

  • Funding: Explore all of the options to pay for a future extended care need.
  • Navigation: Concierge services to help you find the right type of care and quality care providers.
  • Audit: The ability to have a third-party health care practitioner review the care a loved-one is current receiving.
  • Legal: Access to create scores of legal documents that are needed as we age including Wills, Powers of Attorney and Advance Directives.

There is no cost to become a member of the LTCRplus program and to gain access to all of the benefits. 

Types of Care Covered

Home Health Care
Nursing Home Care
Assisted Living Facilities
Adult Day Health Care
Informal Care

Discounts and Policy Features

LTCR works with over 600 Alumni and Professional groups and has leveraged those relationships to be able to offer discounts for members with some insurance companies. Customers must contact the company directly to learn if they may qualify for a particular discount on a funding solution.

Since LTCR works with the top insurance companies offering traditional Long-Care Insurance, Short-Term Care Insurance, combination Life or Annuity plus LTC plans, as well as solutions for people currently receiving care, they are able to help you design the solution that will best meet your needs.  Some options may include:

Daily or Monthly Benefit Periods – The amount of benefit you receive.

Elimination Period – Essentially a deductible. This can range from 0 days to 360 days.

Inflation Protection – Options to grow your benefit over time.  These options range from no inflation to 5% compound with many options in between.

Payment – Payment options care range from single pay (you pay all of the premium up-front to lifetime pay on a monthly basis.  Other options include 10-pay (pay premiums for 10 years) and annual payment options.

Discounts – If you are a member of one of LTCR’s affinity group partners, you may be eligible for a discount on certain products.

Spousal/Partner Discounts – Many companies offer discounts to both members of a couple.

LTCRplus – Summary

LTCRplus is a fantastic resource for those looking for solutions for future care needs, but also for those who need continued, expert assistance with regard to existing care needs or the needs of a family member. For over 20 years the company has been helping individuals identify funding options and navigate the complex world of long term care. The complimentary LTCRplus program can help families plan for a future extended care need and deal with a current care crisis. There’s no cost to join and no obligation.

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