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transparent   14 East Highland Avenue | Philadelphia, Pennsylvania U.S.A. 19118
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Chestnut Hill Community Association
Long Term Care

   

Welcome to the Chestnut Hill Community Association Long Term Care website. This is exclusively for members of CHCA and their family members.

This site will help you learn about Long Term Care, and LTC insurance. We will help you choose from among the many plans and customize a plan that is right for you and your family.

Each one of us has had an experience with Nursing Homes. If not a direct experience, we have heard hair-raising stories about the costs of keeping family members in a nursing home. There are several ways to control these costs. One is to purchase Long Term Care insurance.

  • You can buy coverage with a set daily benefit that goes up with inflation.
  • You can select the time period of coverage from 2 years to lifetime.
  • You can have a waiting period before coverage takes effect from 0 to 365 days.
  • You can buy coverage for home care, nursing home care, assisted living care and adult day care
  • You can even buy insurance that returns the premium even if you use the coverage. For example, if an insured contracts Alzheimer's disease and has a lifetime policy for $200 a day, lives ten years and dies, he or she would receive $730,000 in benefits. Despite these payments, the full premiums paid will be returned tax free directly to the insured's estate.

Each of these variables affects the premium, but the most important factors affecting the premium are age and health. The older you are when you buy the policy, the higher the premium. The healthier you are, the lower the premium.


We are proud to have available Long Term Care Insurance from a number of very strong established providers (not all offer discounts):

  • Allianz
  • Assurity
  • Genworth
  • Great American
  • John Hancock
  • Lincoln Financial
  • MedAmerica
  • Metropolitan Life
  • Mutual of Omaha
  • Prudential


Each company is rated “A” Excellent or better by A. M. Best and Company. We will help you pick the correct company and plan that fits your individual needs.

With these thoughts in mind, if you would like to hear more about this kind of insurance, and what it might cost, we would like to help you learn. Go to the CHCA LTC Coverage Page to learn about coverage choices and options. Fill out our CHCA LTC Quote Request Form. We will prepare a proposal for you and contact you at your convenience. We will be happy to answer any questions you might have.