About LTCRPlus
About LTCRplus
LTCRplus is a long-term care benefit program that helps individuals and families plan for, fund and navigate long-term care – combining insurance solutions with practical support when care is actually needed.
care is about much more than buying insurance. Families need help understanding how to fund care, finding quality
care, navigating insurance benefits, managing claims, preparing legal documents and making difficult decisions when a
care need arises.
LTCR and LTCRplus have helped more than 800,000 people through programs serving 500+ affinity groups.
What LTCRplus Does
Long-Term Care Funding and Insurance
LTCRplus members can evaluate multiple ways to fund future long-term care, including traditional LTC insurance,
hybrid life/LTC products, asset-based solutions, annuity/LTC products, short-term care insurance and self-funding. Our
specialists help members compare options from multiple insurance companies and determine how much risk to insure
and how much they may prefer to retain.
Family Care Concierge
LTCRplus provides members and families with one-on-one assistance when long-term care is needed. The concierge
team can help families understand their benefits, evaluate options and navigate a care situation.
Care Navigation
resources and assistance designed to help families identify and evaluate care options based on their needs, location
and budget.
Claims Assistance
identify claim requirements and assist with the claims process.
Online Legal Resources
Long-term care planning often requires more than insurance. LTCRplus provides access to resources for important
legal documents associated with aging and care planning, including wills, powers of attorney, advance directives and
health care proxies.
Long-Term Care Research and Planning Tools
evaluate insurance versus self-funding and compare different approaches to paying for care.
What Makes LTCRplus Different
More Than Insurance
problem – planning before care is needed and helping families navigate care when the need becomes real.
Help for the Entire Family
planning needs as well as challenges involving parents, spouses and other family members.
Multiple Ways to Fund Long-Term Care
asset-based strategies, short-term care and self-funding rather than assuming one product is the answer.
Human Support When Care Is Needed
members understand benefits, evaluate care options and navigate the next steps.
Built on Decades of Long-Term Care Experience
individuals, families and organizations address long-term care.
Who Uses LTCRplus?
- Members of alumni associations
- Members of professional and trade organizations
- Clients of participating financial institutions and benefit programs
- Individuals and families planning for future long-term care
- Existing long-term care insurance policyholders
- Families currently dealing with a long-term care need
- Organizations seeking a comprehensive long-term care benefit for their members or clients
The Team Behind LTCRplus
purchasing insurance was only one part of the long-term care challenge.
resources, claims assistance, legal resources and long-term care planning tools to provide support before and after a
care need occurs.
How LTCRplus Works
Planning for the Future
evaluate different funding strategies.
Choosing a Funding Strategy
can evaluate traditional LTC insurance, hybrid solutions, short-term care and self-funding strategies.
Ongoing Member Support
Members retain access to LTCRplus resources rather than ending the relationship when an insurance transaction is completed.
Help When Care Is Needed
When a member or family member needs care, the LTCRplus Concierge Team can help with issues such as understanding benefits, navigating a claim, evaluating care options and locating care resources.
Key Facts About LTCRplus
Program Name | LTCRplus |
Type | Long-term care benefit and planning program |
Created By | Long-Term Care Resources (LTCR) |
Founded | 1998 (LTCR) |
Headquarters | Michigan, United States |
Website | LTCRplus.com |
Core Offering | Long-term care planning, funding and family care support |
Insurance Solutions | Traditional LTC; hybrid life/LTC; asset-based LTC; annuity/LTC; short-term care |
Member Services | Family Care Concierge, care navigation, claims assistance, legal resources and LTC funding research |
Affinity Groups Served | 500+ |
People Helped | 800,000+ |
Family Benefit | Yes |
Insurance Required for All Services | No; availability depends on program and benefit |
Insurance Carriers | Multiple leading LTC and hybrid insurance carriers |
Member Pricing | Program benefits vary by participating organization; insurance pricing varies by carrier and applicant |
Support | Phone, email and licensed advisor support |
Parent Organization | Long-Term Care Resources |
Parent Company | LTC Global |
Social | @ltcrplus |
Frequently Asked Questions
What is LTCRplus?
planning and insurance resources with services designed to help individuals and families when care is actually needed.
Is LTCRplus just long-term care insurance?
assistance, family support, legal planning and long-term care research.
Can LTCRplus help if I already have long-term care insurance?
Yes. LTCRplus resources can help members understand existing coverage and navigate issues associated with
accessing long-term care benefits, subject to the benefits available through their program.
Can LTCRplus help my parents or other family members?
LTCRplus includes family-oriented resources because long-term care frequently affects an entire family. Available services can help members evaluate care situations and find resources for themselves or family members.
Does LTCRplus offer multiple insurance companies?
Yes. Long-Term Care Resources works with multiple insurance carriers and product categories so members can
compare appropriate options rather than being limited to one insurance company.
Do I have to buy insurance to use LTCRplus?
Not necessarily. LTCRplus includes resources that address long-term care beyond insurance. Eligibility and access to individual benefits depend on the member’s participating program.
How is LTCRplus different from buying LTC insurance directly from an insurance company?
An insurance carrier primarily provides its own insurance products. LTCRplus combines multi-carrier insurance
planning with broader long-term care resources and ongoing family support.
How do I know if my organization participates in LTCRplus?
LTCRplus works with 500+ alumni, professional and other affinity groups. Members can contact LTCRplus to verify eligibility and determine which benefits and group advantages are available through their organization.
