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Long-term care is one of the leading health concerns in the country. And the cost of long-term care is rising significantly as we move into the new century. In 2000 nearly 25,000,000 people received care at home, in a nursing home, or in another community care facility. In 2001, the average cost for a year in a nursing home in New York State approached $80,000 and it was much higher in metropolitan areas. During 1999 a third of all long-term care costs were paid "out-of-pocket".

The comprehensive solution to the financial concerns that go with the care concerns is Long-Term Care Insurance. These plans help to pay for care at home, in an adult day-care center, an assisted living facility, or in a nursing home. You have many choices and options, among them are the daily benefit amounts, the coverage period, the waiting period, inflation protection features and spouse benefits. Many of the plans have premium discounts. New York residents also have a special NY Partnership policy that provides total asset protection. Every New Yorker should learn about this significant program.

This is a brief summary of coverage. Policies may not be available in all states. Refer to policies for complete details.

Complete our Benefit Request Form for additional information regarding our benefits by Clicking Here.

After you receive your quote you should call the NCBA "HELP DESK" at 1-888-376-6020 to schedule a time to review your decision and enroll in the plan.