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Time is running out on current long-term care policy rates

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Kelly BehnkeIf you're considering a new long-term care insurance (LTCi) policy through Member Benefits' LTCi program, you need to act now. After September 15, 2013, significant rate increases take place. Rates for new LTCi policies are rising nationwide. Women's rates in particular will increase 60% on top of base rate increases.

Why the gender difference? Because women account for more and higher claims than men. According to a 2012 article in the Wall Street Journal, women “are paid two out of every three benefit dollars from long-term care insurance, in part because they live longer and often have no caregivers at home.”

LTCi pays for extended care needs following an accident, illness, or frailty that often results from normal aging. It provides coverage for quality long-term care services (including home health care) that may be needed at any time of life—services that are not covered by health insurance or Medicare.

If you'd like to purchase a new policy, call us today to ensure that you get the most complete protection at the lowest cost available. To schedule an appointment, call 888-247-5905 or visit

LTC insurance products are underwritten by multiple LTC providers. Program administered by LTCi Marketing Administrators (LiMA).

Kelly Behnke, CIC, CISR, ACSR
Personal Insurance Consultant