Group Long Term Insurance

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Long Term Insurance

Long-Term Care (LTC)

This type of insurance pays for services to help individuals who are unable to perform certain activities of daily living without assistance, or require supervision due to a cognitive impairment such as Alzheimer’s disease. LTC is available as individual insurance or through an employer-sponsored or association plan.

Long-Term Life Insurance

A type of disability income insurance that provides disability income benefits after short-term disability income benefits terminate and continues until the earlier of the date when the insured person returns to work, dies, or becomes eligible for pension benefits. Contrast with short-term disability income insurance.

The ways that your property can be covered are:  “All Risk” or “Specified Peril.”
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