Long-Term Care Information
Product Information 
Rate Information

Are you as invincible as
she thinks you are ?

ou have been directed to this website because you are a member of a sponsored group or family member who may be eligible to participate in a very special Group Long-Term Care Insurance offer from Great American Life Insurance Company^®.

Like many Americans, you have probably worked hard to achieve the lifestyle you now enjoy. Long-term care insurance is a way to help you protect that way of life and the independence that you value. More than half of the U.S. population will require some type of long-term care during their lives¹. More importantly, long-term care is not just for the elderly, forty percent of those receiving long-term care services today are between the ages of 18 and 64². And, because women generally outlive men by several years, they face a 50 percent greater likelihood than men of entering a nursing home after age 65³.

Since Medicare and most major medical insurance policies do not cover long-term care services, more people then ever before are seeking private insurance to protect against the high cost of long-term care. With the average cost of one year in a nursing home being $56,000⁴ and the cost of three 8-hour nursing shifts per week in your home exceeding $20,000⁵ annually, it’s easy to see why.

The organization that sponsored this offer understands these risks and that is why they are making this offer available to you. By offering insurance through groups, rather than approaching individuals, Great American Life is able to utilize group rates and pass along the savings to you and your eligible family members. That means that you and/or your eligible family members can now apply for comprehensive long-term care insurance coverage at the same low group rates⁶ . In addition, married couples that apply together can each receive an additional 15% discount⁷.

Eligible family members may apply even if the qualified member does not. This coverage is totally portable -- you may continue the same benefits at the same premium rate after leaving the group.

As you review the information on this website you will find answers to many of your questions about long-term care, an explanation of the benefits that are available, and a calculator to estimate you premium rates.

To enroll in this Group Long-Term Care insurance plan contact your Group Great American Life Representative for an application and enrollment packet.

1. Americans for Long-Term Care Security, 2002
2. Americans for Long-Term Care Security, 2002
3. Health Insurance Association of America, 2002
4. RECTURS, December 2000
5. U.S. Office of Personnel Management, August 2001
6. Not all groups participate in the extended family member program and eligibility of family members may vary by state. Check with your Great American Life Representative for more information. Depending on the state where you live, family members may include: spouse, parents, parents in-law, grandparents, sibling, & adult children.
7. Both spouses must be eligible to apply, meaning they are not disqualified based upon questions on the application.

The information on this website may not apply in all states. Check with your Great American Life Representative for specific state exceptions.