Welcome Yale University Employees

Your Long Term Care Insurance Private Exchange

Welcome! Our goal is to provide you with a "best in class" learning experience. We want to assist you in making informed decisions about protecting your financial future. Should you decide that long-term care insurance is an important component of your financial plan, we want to provide you with insurance company choice. No single insurance company can be "best" for everyone.

Evaluating your options can be confusing, so after reviewing the information on this site we invite you to call us at 1-888-793-6111 or e-mail helpme@retirementguard.com. Normally, in less than 10 minutes, we can answer your questions and provide valuable insights—without obligation. Should you decide to obtain insurance, know we are paid by the insurance company.

RetirementGuard works with many prestigious colleges, universities, and teaching hospitals in the North East.

John Hancock Policy Holders

If you obtained coverage through the John Hancock Group Plan, it will almost always be in your best interest to keep what you have.

If you have any questions call us at 1-888-793-6111.


Existing Policyholders

It is almost never in your best interest to replace existing coverage. That said, at times it might be appropriate to supplement it. We can provide an existing policy audit without obligation.


One Time Opportunity

Liberalized underwriting with MedAmerica is ONLY available during this open enrollment period (until 3/11).




Your policy leaves with you—with no change in rates. The Policy will pay benefits anywhere in the United States.



3. a place where things are exchanged, especially a center where financial instruments are bought and sold.


Claim for Long-Term Care Insurance Credit

New York State wants you, if affordable, to obtain long-term care insurance. As an incentive you can receive a NYS Income Tax CREDIT equal to 20% of your annual premium, effectively reducing your premium by 20%.

2014 20% Tax Credit


Connecticut Partnership

Connecticut State is encouraging you, if it is affordable, to consider this special coverage. In essence a relatively small premium—and benefit—can protect ALL of your assets from spend down rules. Office of Policy and Management

For details and costs and to see exactly how it can work for you, please call RetirementGuard at 888.793.6111 or e-mail us at helpme@retirementguard.com.


Long-Term Care is a Woman's Issue

70% of long-term care insurance claims are paid to women- and those claims last longer than claims paid to men

Currently premiums are NOT gender based, they are unisex. (Women and men pay the same) BUT that is about to change.  Read a recent WSJ article

In 2013 women started to pay substantially higher premiums with some carriers than men. Our Exchange includes some rates that are still unisex.

For a very detailed report on women and long-term care, click here.



Projected LTC Need for People Turning Age 65

        Number of Years of Long-Term Care Need by Percentage
  Average Life Expectancy after age 65 Percent of People with Long-Term Care Need Average Years of Long-Term Care Need 1 Year or Less 1-2 Years 2-5 Years More than 5 Years
Everyone 17.8 69% 3.0 25% 17% 29% 29%
Men 15.7 58% 2.2 33% 17% 30% 20%
Women 19.8 79% 3.7 20% 16% 28% 35%

Privacy Policy

RetirementGuard's mission is to enhance quality of life and peace of mind. We believe the interest of our clients always come first. As a current or future client we need you to know that we are committed to maintaining your trust; protecting your privacy and the personal information you provide to us.

We only collect, use and share your personal information in order to provide you with and maintain the insurance products and services you have requested, or as permitted or required by law.

We will not share your information with any non-affiliated company for the purpose of that company marketing its products or services to you. We do not sell any information about you nor do we sell our customer lists.

Information collection

An essential part of the insurance application process is getting to know you. In this regard, we will need to collect some specific information from you and about you.

We will ask you to provide, among other things, personal data such as your name, address, date of birth, social security number, marital status, home address, phone numbers, email address and place of employment. In most cases you will also need to provide the names of your physicians, medications you are taking and illnesses or conditions you have or have had. Lastly, to ensure that you can afford the insurance you are interested in purchasing, questions related to your annual income range, savings and investments.

We would require the above information for the following:

Sharing information

When you provide information to us, we may share your information with our affiliated insurance companies for the purpose of fulfilling underwriting requests as well as offering you other services that may be of interest to you.

How is your information secured and protected?

We treat what we know about you confidentially. The website uses encryption and authentication tools to protect any personal information you send us via the Internet. Internally we take steps to make our computer data bases secure and to safeguard the information we have collected about you.

We require confidential treatment of your information and take care in handling your information. Employees who misuse customer information are subject to disciplinary action.

To contact us, to view or to update your information

If you wish to update or view your personal information or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to:


Estimated Average New York State Nursing Home Rates

It is important to note that these are average nursing home rates, and nursing home rates can be higher or lower depending on the type of facility you would prefer.

The largest catastrophic financial risk for most people is the potentially devastating cost associated with long term care. In 25 years these costs could exceed $1,000,000 or more.


Premium Rates

The premium rate chart is currently being updated. Please call us at 888.793.6111 or email us at helpme@retirementguard.com for your specific information.


Premium Rates

The premium rate chart is currently being updated. Please call us at 888.793.6111 or email us at helpme@retirementguard.com for your specific information.