It's a fact: 7 in 10 people will need long term care
after age 65.1
Costs for this type of care are rising fast, and are typically
not covered by health insurance or Medicare. What can you do to
protect yourself (and your savings)?
Start by calling to request our free guide,
3 Things You Need to
Know About Long Term Care:
Discover the different types of long term care.
Find out how much each type of care costs.
Learn what you can do now to help cover these costs.
To receive your free guide by mail, request a no-obligation
quote, call {{ctrl.phoneNumber}}.
This long term care insurance is backed by Genworth Life Insurance
Company, a trusted insurance provider that has paid more than
$14 billion in claims benefits over the past four decades.2
1 U.S. Department of Health and Human Services (www.longtermcare.gov). October 10, 2017.
2 Long Term Care Claims Experience for Genworth Life
Insurance Company and affiliates - December 1974 through December 2016.
This is a solicitation of insurance for policy form series ICC13-8000R1
or ICC13-8001R1. When you respond, an insurance agent/producer will
contact you. Details about the cost, benefits, terms under which
the policy may be continued in-force or discontinued, limitations
and exclusions of the long term care insurance policy will be provided
to you by a licensed insurance agent/producer.
To help us serve you better, please select your state.
Offer may vary by state
Thank you for your interest. Unfortunately,
this long term care insurance plan is not available in
{{ctrl.modalStateName}}. Please call 1-866-261-1604 for
available offers.
Thank you for your interest. Unfortunately,
this long term care insurance plan is not available in
{{ctrl.modalStateName}}. Visit www.genworth.com
to view other products and services that may be available in
your area.
Long Term Care Insurance underwritten by
Genworth Life Insurance Company, Richmond, VA
Genworth has agents available to discuss your specifics in
order to help you design an insurance plan to meet your needs and
fit your budget.
For a policy to be issued, an application is required and it
must be approved by the insurance company. As part of the application process,
you may be required to have a medical exam. Insurance benefits are
subject to the terms of the issued policy, including benefit eligibility,
exclusions and other limitations. Please refer to the policy exclusions
and limitations at the bottom of this page to see the exclusions
and limitations that apply in most states for this policy form series.
Exclusions and Limitations
We will not pay Benefits for any expenses incurred for any
room and board, care, treatment, services, equipment, or other
items:
For which no charge is normally made in the absence of
insurance;
Provided outside the United States of America, its
territories and possessions; unless specifically provided for by
a Benefit;
Provided by Your Immediate Family, unless: specifically
covered by a Benefit; or he or she is paid as a regular employee
of the organization that provides the services to You;
Provided by, or in, a Veteran's Administration or Federal
government facility, unless a valid charge is made;
Resulting from illness, treatment or medical condition
arising out of any of the following:
War or any act of war, whether declared or not;
Attempted suicide or an intentionally self-inflicted
injury;
Resulting from Your alcoholism or drug addiction (except
for an addiction to a prescription medication when administered
in accordance with the advice of a Physician).
Non-Duplication
Benefits will be paid only for Covered Expenses that are in
excess of the amount paid or payable under:
Medicare (including amounts that would be reimbursable
but for the application of a deductible or coinsurance amount);
and
Any other Federal, state or other government health
program, or law except Medicaid.
This Non-Duplication provision will not disqualify a Covered
Expense from being used to satisfy any Elimination Period
requirement.
Review the Outline of Coverage and your policy for
state-specific details of the exclusions and limitations.
THE POLICY MAY NOT COVER ALL THE EXPENSES ASSOCIATED WITH
YOUR LONG TERM CARE NEEDS.
