Traditional long-term care insurance has a use it or lose it element.  Linked benefit plans combine a universal or whole life insurance policy with long term care coverage.  If you don’t use all of the long-term care benefits, coverage reverts to life insurance that is paid to your beneficiary upon your death.  The linked benefit plans can be funded with a single premium, includes a money-back guarantee and deposits grow tax-deferred at current interest rates. 

Under a reimbursement policy, you receive the actual cost of eligible benefits when they are received. 

Indemnity policies pay a set dollar amount when you are receiving covered long-term care services giving you more flexibility in how the money is used.

Access the long-term care quote form.

Get more information from the U.S. Health & Human Services LTC website.

Personal Appointments Available

Member Insurance Solutions provides the option of on-site visits to discuss the issues that apply to your particular situation. To set an appointment at your convenience, please call 800.878.6765 and ask for an appointment.


Green Industries

Long-term care insurance for mgia members

Protecting your estate in the event of a debilitating illness or age-related degeneration is what long-term care insurance is all about. Advances in medical technology are allowing people to live longer, but a long lifespan brings with it an increased likelihood of requiring in-home health care, long-term care in an assisted living facility or a nursing home. Providing financial assistance to help with the staggering cost of long-term care is the goal of long-term care insurance. Member Insurance Solutions offers a wide variety of programs through a number of insurance companies providing you the ability to purchase long-term coverage that is custom designed to meet your needs and protect your financial security.

  • single premium plans available;
  • choose indemnity or reimbursement;
  • choose traditional or linked benefit plans;
  • choice of daily benefits for in-home and nursing home;
  • choice of elimination periods;
  • inflation increase options;and
  • tax qualified plans.

Request an appointment to discuss long-term care insurance.

For more information call 800.878.6765.