LONG TERM CARE INSURANCE PROGRAM
For South Carolina Teachers, State Employees & State Retirees
United LTC
LONG TERM CARE INSURANCE PROGRAM
For South Carolina Teachers, State Employees & State Retirees
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DESIGN YOUR PLAN

Plan choices and features

Unique individuals and situations require that everyone explore a long term care insurance plan that will satisfy their own individual needs. Review the key features of your group long term care insurance plan with one of our specialists to better understand how they affect your coverage. A few of the key features of a long term care insurance plan are:

  1. Daily benefit amount
  2. Benefit period
  3. Waiting period
  4. Inflation protection option

Which plan is right for you?

Your group plan offers you the option to either select one of four prepackaged plans or to customize your own plan.

Prepackaged plans


Four prepackaged plans are available that you can choose from. Contact one of our long term care specialists for a quote on these plans.

Consider this plan if you want some long term care protection, but you are looking for a lower cost option. This plan would be useful for you if you live in an area with low long term care costs or if you plan to pay out of pocket for some of the costs of long term care in the future.

Consider this plan if you want protection for at least three years, which corresponds to the average length of stay in a nursing home, or if you live in an area with low long term care costs.

Consider this plan if you want protection for at least three years, which corresponds to the average length of stay in a nursing home, or if you live in an area where long term care costs are around the national average.

Consider this plan if you will be living in an area where long term care costs are around the national average but you want protection for a longer period of time.

Customizing your own plan

If you choose to customize a plan, you can pick the options that best suit you. Contact one of our long term care specialists today and allow us to put together a customized plan that best suits your individual needs.

LTC Myth #5: I Can Save Enough to Cover My Long Term Care Expenses

Although you can utilize personal savings to cover long term care expenses, before doing so, you should consider the cost of long term care services. Here are the current national averages for long term care services:

  • $19 an hour for a home health aide
  • $114 a day for an assisted living facility
  • $227 a day for a semiprivate room in a nursing home
  • $258 a day for a private room in a nursing home

Most people prefer to receive care in their home. While home care is generally more affordable than nursing home care, it still can be quite expensive. On average, the cost of a six hour visit by a home health aide is $114. If that same home health aide visits six hours per day, five days a week, the total annual cost would be $29,640 and costs can rise dramatically if full time, around-the-clock care is needed.

In 2013, the average cost of a semiprivate room in a nursing home was approximately $83,000 per year. Now consider the total cost if you need more than one year of care. For example, for three years of care, the cost would be approximately $249,000.

Keep in mind that geography can impact the cost of care drastically. The figures above are national averages and long term care services may be less expensive or more expensive in your region.

Members can apply for coverage at anytime so APPLY TODAY!

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