Long-Term Care

Long-term care insurance can pay for services associated with a prolonged physical illness, a degenerative disease like Alzheimer’s or Parkinson’s, or a disability. Currently, BBT provides policies with six of A.M. Best’s A-rated insurance companies — Genworth Financial, John Hancock Life Insurance, Lincoln Financial Group, Mass Mutual, Mutual of Omaha, and Transamerica Life Insurance Companies.

Brethren Insurance Services offers members and employees the following answers to some important questions, including —

How much will Long-term care cost?


Who is eligible for Long-Term care Insurance through BBT?

Long-Term Care Insurance is available for all members of the Church of the Brethren, their family and friends, and employees of Church of the Brethren-affiliated agencies, organizations, colleges, and retirement communities. 


When should I buy long-term care insurance?

Although most people invest in LTCi in their 50s or 60s, the premiums you pay are based on your age and your health, so the earlier you purchase a policy, the lower your premiums will likely be. Since LTCi covers medical issues that can occur at any stage of life — permanent disability, for example — policies can be purchased for individuals as young as 18.


What costs can long-term care insurance cover?

LTCi policies vary, but generally this insurance can cover nursing home care, care in your home by a licensed health care provider, custodial services, hospice care, and services provided by adult day care and assisted-living facilities.


Will my current health affect my long-term care insurance cost?

Most long-term care insurance policies do require underwriting — a review of your health history — for potential policyholders. Health problems could raise your premium, but medical history is only one of many factors that determines your LTCi cost.


Can I afford long-term care insurance?

Because the amount of coverage, your health and age, and the percentage of income you wish to spend on LTCi vary, it’s best to speak one-on-one with our insurance representative about how to budget for LTCi. With many companies offering LTCi plans, the cost and benefits of your policy can be tailored to fit your financial needs.


For more detailed answers to these and any other questions you may have about long-term care insurance, contact Brethren Insurance Services at 800-746-1505, or at insurance@cobbt.org. You may also click here to complete an information form, and a BBT representative will contact you shortly.