Coverage with a Long Term Care policy is an important element of retirement planning. Long term care is different from medical care. It is the kind of help one might need when they are not able to perform daily tasks activities such as eating, bathing, and dressing on their own.

Chamber Long Term Care Insurance offers you choices, including:

o Easy application process for Chamber members
o Plans approved by the State of Connecticut's Partnership for Long Term Care
o Plans qualified under the Federal Health Insurance Portability and Accountability Act to offer tax incentives to eligible policy holders
o Premiums payable through payroll deduction

The Truth About Long Term Care.

Long term care doesn't have to mean a nursing home. You can get many long term care services at home, through community - based services, or in a variety of assisted living settings.

Medicare and most medical insurance plans cover very little of the long term care costs, and then only for a limited time, under very stringent conditions. They don't cover most of the basic help with activities of daily living - eating, bathing, dressing, and so on - that may be all you need to continue living in your own home.

Eventually, most people who need long term care exhaust their assets. At that point, they apply to Medicaid to help pay for their care - but it usually requires moving to a nursing home.

Long term care insurance keeps you independent. It's also highly affordable - and may even qualify you for federally approved tax incentives!

Chamber Insurance Trust has been working with the MetLife and is pleased to offer premium discounts to Members and Family Members with NO participation requirements.

Chamber members and their families are entitled to a 5% discount.