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Long-Term Care Insurance Plan Highlights


Recognizing the significant need for long-term care planning, the American Society of Civil Engineers offers a valuable Long-Term Care Insurance Program for our members. Long-Term Care planning is essential to helping prepare for your future and your family's.Our Long-Term Care Insurance Program includes:

  • Special discounted rates for ASCE members—save hundreds of dollars per year
  • Same discounted rates for spouses, domestic partners, parents, and adult children
  • Comprehensive plans from multiple highly rated insurance carriers
  • Assistance with your questions on the program's costs and benefits through a partnership with Long-Term Care Resources, a National Network of Long-Term Care Specialists

Because of the crucial nature of Long-Term Care Insurance, we urge you to get all the facts available on this product and its benefits. Knowledge is your best defense in the fight against the high cost of long-term care and in determining if Long-Term Care Insurance is right for you. To learn more, call 1.800.616.8759 to request your complimentary, 22-page LTC Planning Kit entitled "Risk Management & Long-Term Care—Understanding Your Options," addressing key issues in your life and featuring real-life case studies.

For more information about Long-Term Care Insurance for ASCE members, please call Long-Term Care Resources at 1.800.616.8759.


Long-Term Care FAQ

Won't the Federal Government pay for my Long-Term Care?

While many people think the federal government pays for long-term care expenses, much of nursing home expenses are paid out-of-pocket by individuals and their families. Neither Medicare, Medicare Supplement Insurance, nor the major medical health insurance provided by employers is designed to pay for long-term care expenses.

What is the cost of waiting to purchase Long-Term Care Insurance?

If you are thinking of waiting to purchase long-term care insurance coverage, consider the impact of waiting:

  • Increases the risk of being ineligible for insurance
  • Decreases the overall time you have long term care insurance coverage
  • Can increase the overall cost of coverage because premium rates increase with age

Waiting delays covering your long term care risk and can cost you money.


What is the cost of Long-Term Care?

The cost of care for home healthcare services and facility care varies from state to state. Call 1.800.616.8759 to request your free, 22-page LTC Planning Kit entitled "Risk Management & Long-Term Care—Understanding Your Options."

For more information about Long-Term Care Insurance for ASCE members, please call Long-Term Care Resources at 1.800.616.8759.
Long Term Care Resources Calculator

When you're trying to decide if Long Term Care Insurance is right for you, having an idea of the potential costs you could be facing can be helpful. Using our Long Term Care Calculator, you can work through possible financial scenarios and receive suggestions on how to best fund your care needs.

The LTC Calculator also features:
  • Projected future cost of long term care
  • Annual rate of return needed for investments to equal value of a long term care policy
  • Life expectancy chart
  • Break-even analysis showing number of says of care needed to recoup premiums paid

Get started today!

Long-Term Care Insurance Contact

Phone: 1.800.616.8759

Long-Term Care Resources (LTCR)

Phone: 800.616.8759

© 2013 Pearl Insurance, Plan Administrator
1200 East Glen Ave Peoria Heights, IL 61616
ph.800.650.ASCE(2723)1200 | fx.866.817.9009
CA License #0A15583, AR License #1322


The information provided within this section describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. All Plan benefits, limitations and exclusions are contained in the Certificate of Insurance for that specific Insurance Plan. Insurance coverage and availability may differ as regulated by each State. In the event of any conflict or inconsistency between the information on this site and the information contained in the plan documents, the plan documents will govern. For questions and clarity on plan details, please contact the Program Administrator, Pearl Insurance at 1.800.650.ASCE (2723). 25980050