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Long-term care insurance policy offered to eligible state employees

United of Omaha Life Insurance Company is now offering its Assured Solutions Plus policy to eligible State and University of Wisconsin Employees, Annuitants, and their family members. This voluntary purchase long term care insurance policy is offered at a group-discounted premium.

Long-term care insurance is designed to help protect you against the high costs of long-term care if you can no longer perform the activities of daily living by yourself. Medicare and most health insurance will not pay for these services. For many, long-term care insurance is an important part of planning for their long-term financial security. Please consider whether the Assured Solutions Plus long-term care insurance is right for you and/or your parents. (Spouse, parents and in-laws are all eligible to apply, even if you don’t).

The Assured Solutions Plus policy offers additional built-in benefits that include:

* If you die prior to age 65 while still insured, all premiums, less claims paid, will be returned to your beneficiary
* Additional benefits for injury – If, prior to 65, you require home health, assisted living or nursing home care as a result of an accident, your policy will pay up to two times your Daily Benefit.
* As an alternative to receiving benefits for home care services, nursing home and assisted living, you can receive a monthly cash benefit equal to ten times your basic services daily benefit – No elimination period requirement – No restrictions on how cash is used – No requirements that expenses be incurred.
* To help adequately cover the most expensive type of long term care, you can choose to have your policy pay up to 300 percent of your selected daily benefit for professional home care services.

HealthChoice also offers CareOptions Direct Care Planning Assistance & CareOptionsOnLine (COOL.net) services that are currently available to those who purchase an insurance plan through HealthChoice.

The CareOptions Direct & On-Line Program aids individuals in finding services or providers for themselves or a family member who is sick, disabled, or elderly. As an additional convenience, the CareOptions On-Line Web-based service can assist you and your family members create Living Wills (advance directives for health care) as well as allow you to conduct online care provider searches and medical information research seven days a week, 24 hours a day.

We urge you to investigate this plan for you and your family. To receive a complete information packet regarding your long-term care insurance options and the new CareOptionsOnLine resources, simply click here to request an information packet. You may also call HealthChoice toll-free at 1-800-833-5823 or in the Madison area at 833-5823 or email info@healthchoice.com . Direct information link; click or paste in your web browsers address line: http://www.healthchoice.com/reply1

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