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Work: Benefits Offered By Employers

Long Term Care Insurance

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Many employers offer Long Term Care insurance as a choice in their package of plans. Long term care insurance covers the cost of caring for you if you need assistance over the long term. Read about this insurance to help you decide if this is a benefit that makes sense for you. Particularly consider what could reasonably happen because of your health condition or family health history.

Although a few employers are offering a true group plan, most Long Term Care plans offered through employers are individual plans that the employee pays for through either payroll deduction or with the money provided in a Cafeteria Plan. The advantage of purchasing an individual plan is that you can take it with you if you leave the employer.

The disadvantage is there may be questions about your health.

To learn about Long Term Care Insurance, click here. 

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