Insurance for
Long Term Care Services in New York State
New York State encourages people to protect themselves from the high costs of long term care and encourages insurance companies to help provide that protection.
Learn more about insurance for long term care services in New York State from the following pages:
Introduction
Insurance for long term care services is sold on both an individual and a group basis in New York State. Group polices may be offered to employees or members of organizations or associations. Most of the following information applies to individual policies. Group policies for long term care services sometimes are subject to different requirements.
The following information pertains to New York State-approved "insurance for long term care services" -- a term we are using to refer to such policies sold in New York State. "Long term care insurance" is a specific type of policy sold in New York State.
Getting Started
-- is an introduction to insurance sold in New York State covering long term care services, especially the State protections for consumers who are purchasing or considering insurance for long term care services.
Types of Policies -- describes the four types of insurance policies for long term care services approved for sale in New York State.
New York State Partnership for Long Term Care -- is a unique approach to ensuring lifetime protection of your assets from both the high costs of long term care and the requirements of Medicaid.
Directory of New York State Approved Long Term Care Insurers -- includes the addresses and telephone numbers of companies with approval to offer insurance which covers long term care services in New York State.
As always, remember to read and compare insurance policies carefully so you understand your choices and responsibilities and can choose the policy that best meets your needs.