Step 2: How to Enroll

Contact Legacy Services at (800) 230-3398, ext 101 or email custsvc@4groupltci.com.

Individual Long-Term Care Insurance

Partnership Qualified Long-Term Care Insurance
What is Long-Term Care? Long-term care is the type of care you need when you are no longer able to do the things you take for granted everyday. It is needed when simple things, such as getting out of bed, eating, or even taking a shower, become too difficult to do on your own.

Why Consider Long-Term Care Insurance?

Long-term care insurance (LTCi) pays for home health care, assisted living, nursing home and other long term care expenses. People buy LTCi to protect retirement assets and to maintain freedom of choice when receiving care.

Kansas Partnership Program
The state of Kansas Long-Term Care Partnership Program provides dollar-for-dollar asset protection. Each dollar that your Partnership policy pays out in benefits entitles you to keep a dollar of your assets if you ever need to apply for Medicaid services. This extra asset protection does not increase the cost of the insurance.

Long-Term Care Insurance
One-on-One Consultations

Everyone has unique needs that must be addressed individually. For this reason, you can receive a no obligation one-on-one consultation with one of our agents who specializes in LTCi.

Individual Policy Features

  • Individual LTCi policies have a wide range of options that allow you to customize coverage. For example: Daily Benefit Amounts from $60 to $400 per day.
  • Benefit Periods from 2 years to unlimited.
  • Elimination Periods from 20 days to 360 days.
  • Individual policies are also fully portable.
  • And many other options.

Legacy Services specializes in long term care insurance. We are an independent agency that represents the major carriers. We offer in-depth education to help consumers get the best value for their money when buying this coverage.

All Policies are Totally Portable

All individual policies available qualify for the Kansas Partnership Program. Acceptance is not guaranteed. An application covering health history must be completed.

Frequently Asked Questions

When can I apply for this insurance?

If you have not joined KU T.E.A. before, you can join and apply for all insurance plans at any time. If you are already a KU T.E.A. member, you can do so at any time but you will be required to complete a health questionnaire.

When do I pay the $1 fee?

Your one-time $1 membership fee is added to your first monthly premium.

Are all children covered with just one rate?

Yes, the premium paid for child coverage is based on the cost of coverage for one child, regardless of how many children you have. Children are covered through age 18 or through age 25 if a full time student.

Can a member purchase Term Life insurance or AD&D coverage on their spouse without purchasing coverage on themselves?

Yes, spouses are able to purchase a standalone policy without the Member purchasing coverage.

Is the rate monthly?

Yes, the premium rate is a monthly rate; however, you may pay any number of months at one time.

How do I pay for the benefits?

Your premiums will be electronically withdrawn from your designated banking account on a monthly basis. Once you have completed the authorization form attached to the Group Term Life enrollment application, you will receive confirmation stating when your premiums will be deducted.

Do I have to answer any health questions?

Yes. If you are applying for individual long-term care coverage through Legacy Services, there are health questions for underwriting purposes on these polices.

Is the coverage portable?

Yes, if you leave the University, you may take this valuable coverage with you at the same rates and benefit schedule.