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Long-Term Care Insurance

Human Resources recognizes the growing concern of long-term care insurance and has a partnership with Legacy Services, an independent broker that specializes in long term care and represents multiple brand name carriers.

The issue of long term care has become more prominent in this country during the past few years. The rapid expansion of the elderly population means increasing numbers of American families will be faced with the problem of long term care. The consequences for these families can be financially draining. Because government programs and private health insurance provide little financial support for long-term care, the elderly and their families pay most of the cost out of their own pockets.

Younger adults, too, can face the decision of how to pay for extended care needed because of an accident or illness since most company-provided medical benefits do not cover long-term care expenses, and disability benefits are intended to cover loss of income.

Just as planning ahead for retirement income is important, taking steps to help protect your financial security is also important.

Long-Term Care Insurance (LTCi) pays for home health care, assisted living and nursing home care to help people with the functions of day-to-day living like bathing, dressing, toileting, transferring and eating. Also covered are services related to rehabilitation, chronic illness and cognitive impairment.

For additional information, contact Legacy Services directly at 800-230-3398, ext. 101; or

Download: Long Term Care Insurance Brochure (PDF)


Disclaimer: The benefits information contained in this site provides a summary for employees of Wright State. This information does not list all the provisions and does not supersede the individual provisions of our group insurance contracts, benefit plans and university policies that it describes. Similarly, the information presented does not guarantee that the university, the state of Ohio, and/or others responsible for these contracts, plans, programs, and policies will not make future changes in the provisions applicable to each.