For Individuals

The decision to provide care for an aging loved one is one of the hardest things that anyone will have to face over his or her lifetime. Long term health care can be both financially and emotionally devastating. The choices regarding the level of care, location, and costs may reduce assets intended for other purposes, such as retirement or inheritance. 

• you can help reduce or avoid the financial and emotional devastation to your family members.
• you can help prevent long term cares expenses from draining your retirement assets and other savings.
• you, or you and your spouse, can be cared for in your home.
• you may avoid depending on Medicaid or other services.

Putting You in Control
LTC Guard lets you customize your plan according to your needs and within your budget. How much do I need? How long should it last? Can I stay at home?

LTC Guard answers these questions by letting you decide which benefits and features are important to you. You can choose nursing and assisted living facility care, or Home and Community Based Care (HCBC)¹ if you wish to stay at home.

Nursing Care Benefit pays a daily benefit for each day of Nursing Care you receive at a Nursing Care or Assisted Living Facility². Nursing Care coverage also includes the following:

• Bed reservation: reserves your space in a nursing care or assisted living facility up to 60 days should you leave temporarily.
• Respite Care benefit: pays for services of an alternate caregiver, allowing your primary caregiver to take a vacation up to 30 days per calendar year
• Waiver of premium: premium payments for the policy are waived after you are confined in a nursing care or assisted living facility and you are receiving benefits under your policy. Under joint coverage, premiums are waived for both insureds even if only one insured is receiving benefits.

HCBC benefits help pay for services provided by a certified or licensed home care agency, or an independent home health caregiver. HCBC coverage also includes:

• Adult day care/home health care
• Caregiver training
• Respite care (as described above)

Personal Support Services
The following services are available under LTC Guard at no additional charge:

Other Features

• LTC Guard can be your joint coverage solution, with up to an 80 percent discount on the younger insured. This applies for any two people living in the same household⁴.
• For an additional premium, a wide array of optional coverages can be added to your policy through benefit riders allowing you to layer in special features which give you more flexibility in designing your long term care coverage.

¹ HCBC provided for additional premium through a Comprehensive Policy containing Home and Community Based Care.

² In CA, referred to as “Residential Care Facility."

³ You are not required to use these services in order to file a claim. There is no cost to you for their use and no benefits will be deducted from the Benefit Amount.

⁴ Limited to spouses only in MD. Referred to as Additional Insured coverage in NJ. When a joint policy is purchased, all benefits and provisions of the policy apply to each insured independently.

This information is intended solely to provide a general description of the LTC Guard policy. Policy provisions and benefits may vary from state to state.

Coverage is provided by Policy Forms ML7500P et al. (In ID, ML7500P-ID, In NC ML7500P-NC, in PA, ML7500P-PA, and in TX ML7500P-TX). Underwritten by and the financial responsibility of Minnesota Life Insurance Company of St. Paul, Minnesota. For costs and further details of coverage, including exclusions and reductions or limitations and the terms under which the long term care insurance policy may be continued in force, contact your representative/agent. THE PURPOSE OF THIS MATERIAL IS SOLICITATION OF INSURANCE.

Limitations and Exclusions for Residents of the State of Louisiana
No benefits will be paid and the Elimination Period will not be satisfied for any confinement, care, treatment, or service(s): provided to you by a person in your Family; provided outside the United States or its territories, or Canada, except as described under the Coverage Outside the United States Benefit in the Benefit Provisions section of your policy; for which you have no financial liability or that is provided at no charge in the absence of insurance; provided in facilities operated primarily for the treatment of alcoholism or drug addiction; or provided in facilities operated primarily for the treatment of Mental or Nervous Disorders. However, this shall not operate to exclude coverage for loss which results from Alzheimer's or any other demonstrable organic disease such as senile dementia.