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Losing your group long-term care insurance? What you need to know

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Kelly Blog PhotoMany school districts have dropped their group long-term care insurance (LTCi) employee benefit and several others are considering it. If you have group LTCi through your district, you need to understand the value of this insurance and what your options are in the event your district discontinues the benefit. Here are a few helpful tips and resources.

  • Don’t miss deadlines. If your district drops the group plan, you have a limited time (generally 60 days) to learn about and act on the options. This is especially important for members who are older or have health or weight issues. If you don’t make a decision within the required time frame, your options for coverage may be greatly reduced or lost.
  • Learn your options. When evaluating your options, you should take into account how your age, health, and financial circumstances intersect with the number of years the plan has been in your district and your retirement status. Because this can be complicated, Member Benefits offers personal phone/online appointments seven days a week and can provide objective recommendations. Schedule an appointment by calling 888-247-5905 or visit

If you just want to learn more about what LTCi is and whether it’s right for you, check out our free summer seminar schedule at You’ll learn what LTCi covers, what it costs, coverage options, and how your family member can participate. There are 23 different seminar dates and locations, plus lunch is included.

Kelly Behnke, CIC, CISR, ACSR
Personal Insurance Consultant