Welcome!

Thank you for visiting our website. Our goal is to help you better understand Long-Term Care and Long-Term Care Insurance and how Long-Term Care Insurance can help you protect your hard-earned assets.

We have organized pertinent information and interactive tools that will help you understand not only Long-Term Care but also the potential financial ramifications of a Long-Term Care need. We invite you to take your time and explore this information at your leisure, and if you have any questions, please feel free to contact us.

State of Alabama Employees/Retirees,
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A Note from
LTC Solutions

The State of Alabama and the Alabama Retired State Employees' Association offers an approved discounted Long Term Care Insurance program to State and local goverment employees and retirees. These programs are made available to members, spouses, parents, grandparents, brothers and sisters.

For benefit and premium information please contact us toll free at 1-800-329-5844. We will be glad to mail you a packet including benefits and costs.

Unlike some other plans, we offer plans that will pay a monthly cash benefit with no elimination or deductable required. This means you can receive a cash benefit to pay the caregiver of your choice and not be locked in to using a licensed caregiver. Also, you do not need to worry about collecting bills and waiting to be reimbursed by an insurance carrier.