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The mechanics of long-term care insurance can be confusing; there are several moving parts that ultimately impact premium costs. RetirementGuard helps employees of highly selective colleges and universities, without obligation, understand this topic- it’s all that we do. Probably in less than 5 minutes on the phone we can provide you with enough information to help you determine if you would like to invest more time learning about how you can protect your financial and emotional health from long-term care risk.


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Long-Term Care Basics | An Introduction

Long-term care insurance protects policyholders with chronic illness, disabilities, or cognitive impairments who need constant care for a prolonged period. Long-term care is most simply defined as the care required to stay as independent as possible for as long as possible and is most often provided at home, adult day care centers, assisted living facilities, nursing facilities and Alzheimer’s Centers.

People needing long-term care typically are dealing with chronic situations requiring custodial care (not skilled care). Because custodial care is needed day in and day out, and often year in and year out, it can become staggeringly expensive. While skilled care directed by a physician is usually covered by health insurance and /or Medicare, custodial care is most often not. It is also important to note that there is no Federal program for long-term care other than Medicaid, which provides health insurance for those legally destitute.

Those needing care typically need assistance because of cognitive impairments (Alzheimer’s) or they need help with physical activities of daily living (ADL’s); i.e. bathing, dressing, continence/toileting, and ability to transfer from one point to another. These deficiencies are brought about by many forms of dementia, accidents, diseases such as Parkinson’s, strokes, or just the frailty of old age.

Those who have been touched by the emotional or financial dynamics of long-term care know that the need for care can happen to anyone at anytime

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:

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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.

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