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Long-Term Care Insurance

Long-Term Care (LTC) insurance is one option many people choose to provide financial protection when they can no longer perform the most basic functions of daily activity. LTC insurance coverage in Pennsylvania provides services in your home, a medical facility, or a combination of the two.

It is our hope that you will use the following materials as a tool to learn about long-term care insurance and decide whether or not it’s right for you. Always remember to work with a licensed insurance company and/or agent when researching and purchasing any type of coverage.

Act 51 - Long-Term Care Benefit Trigger Determinations

In 2010, Pennsylvania signed into law Act 51. This law added a provision to existing long-term care insurance laws that grant the right to appeal an insurance company's determination that a benefit trigger is not met. Benefit trigger determinations are subject to the right to an internal appeal and then to the right to an external independent review by an entity certified by the department. Please see the links below for more information:

The Long-Term Care Partnership

On July 17, 2007, Act 40 was signed into law and the Long-Term Care Partnership was established. The new law contains strong consumer protections, including a requirement that all long-term care policies in Pennsylvania offer comprehensive coverage, the ability to exchange existing policies for Partnership Policies, and an increase in the guaranty fund to protect consumers against loss if an insurance company becomes insolvent.

The Partnership offers Pennsylvanians the opportunity to provide for their own needs while helping to conserve taxpayer resources.  Questions and answers about Pennsylvania's newest option for long-term care insurance can be downloaded here