Resources for Long Term Care (LTC) and Disability

Disability

What is disability insurance?
Disability insurance (DI), sometimes referred to as income protection, is exactly that -protecting your ability to earn a living. If you become sick or hurt and unable to work, you'll receive payments from Illinois Mutual, based on your particular policy. This check will help you continue paying living expenses such as rent, mortgage, car payment, food, insurance, utilities, medical expenses and more.

Who needs DI?
If you depend on your ability to work and earn an income, you need disability insurance. If you cannot respond to, "Who will take care of your monthly expenses if you become sick or disabled and not able to work?" you need DI.

Long Term Care

Welcome to our Resource Center for Long Term Care. 
To get an online LTC Quote, click here: LTC Quote

What is Long Term Care Insurance?

Long term care insurance is an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility.

Many people elect to buy long term care insurance so they will not need to deplete their savings should they need long term care services. Long term care insurance can help ensure that financial resources and support are in place when you need them.

How Does Long Term Care Insurance Work?

First, you must apply for coverage. If you are approved for coverage, pay your premiums, and you meet the insurance carrier’s criteria for benefit payment, you will be reimbursed for covered long term care services up to the amount of daily benefit after you satisfy the Waiting Period.

Individual Long Term Care Tools

Long Term Care Training

Individual Quote Request Form

Group Quote Request Form

Long Term Care Presentation

Long Term Care Calculator

 

Additional Resources

Prudential's Interactive Cost of Care Map

American Association for LTCi

LTCi Partnership Training Online

Partnership FAQ's