Investing in long-term care now could be the most important decision you make.

Why? Because you can't tell when you'll need it. You may need it in three years or three days; it's impossible to predict how long you'll be in good health or if you'll suffer from long-term effects of a car accident or debilitating disease.

What do you want to do next?

• Find out how Long-Term Care (LTC) Insurance works. 
• Learn about the Marsh Long-Term Care Insurance Advisory Center and schedule a no-obligation telephone consultation.
• Learn from real people who have used their LTC insurance policies. 
• Learn more about planning for my Long-Term Care needs.

Long-Term Care Insurance is different than medical insurance. Medical insurance helps pay for doctor visits, procedures and hospital stays.

For retirees, Medicare covers most of these types of "medical" costs. However, neither medical insurance nor Medicare pays for the ongoing "custodial care" (day-to-day care and activities such as bathing, dressing, eating, etc.) that a person receives if he/she becomes disabled.

Long-Term Care Insurance is all about keeping you out of a nursing home. Long-Term Care Insurance provides the freedom to choose where and by whom these needs are met while preserving financial resources.

The Marsh NFCA Benefits Program Offers Solutions to Long-Term Care Insurance Needs

• Marsh is the world's leading insurance broker and risk advisor.
• Marsh advisors are experts in long-term care planning with the product knowledge and experience necessary to develop and deliver a comprehensive long-term care solution to meet individual needs.
• Our advisors survey the market for the best benefits and match your members' long-term asset and risk management objectives. Then, they put their extensive product expertise to work by designing and implementing a personalized plan to meet their objectives.
• Marsh offers Long Term Care Insurance plans from the top carriers in today's marketplace -- MetLife, Genworth, Prudential and John Hancock, all of which are A+ rated carriers.
• By offering NFCA members a choice of carriers and plans, we can find the best program to fit each individual member's needs.

Call the Advisory Center today at 1-800-358-3795 for your no-obligation consultation.

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-Term care insurance can help pay for such care in the future, in the event you are faced with the need for such assistance. Use the tools and resources below to help you understand — and plan for — your long-Term care needs.

We're here to help! Feel free to contact us in whatever manner is most convenient for you.