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LONG-TERM CARE INSURANCE Long-term care insurance to help keep you at home
Up to 70% of people aged 65 and older will need long-term care to help with everyday activities, such as getting out of bed and bathing.1 This kind of care can be expensive, but long-term care insurance from New York Life Insurance Company or New York Life Insurance and Annuity Corporation helps to cover it should you ever need it.
What long-term care insurance can do for you
Your agent will help you find long-term care insurance options that cover home or facility care, planning services, and support equipment to use at home, and can also help protect your policy from inflation.
Covers you long term
Long-term care policies are cost-effective (especially when purchased before age 502) and they stay with you for decades, until you need help with everyday activities
Pays for what Medicare doesn’t
Standard health insurance usually doesn’t cover in-home nor facility care for everyday activities, but long-term care insurance does
Provides care your way
Whether you’re looking to stay out of a nursing home, to avoid turning loved ones into caregivers, or to protect your nest egg, we have ways to help
Long-term care options differ by state
Select your state below
Find out more about New York Life Long-Term Care at newyorklife.com/ltc-ca
What’s your long-term strategy for financial health?
Connect with an agent to learn more about your options
1LongTermCare.gov, How much care will you need?, 2017.
2LifeHappens.org, When should I buy long-term care insurance? 2023
The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy forms [ICC14-LTC6, LTC6, LTC6-U, ICC18-LTCD PLCY (0218), LTCD PLCY (0218), LTCD-U PLCY (0218)], and any state-specifics, are issued by New York Life Insurance Company, New York, NY. Policy forms [ICC20-AF-MP, ICC20-AF-SP, AF-MP, AF-SP], and any state-specifics, are issued by New York Life Insurance and Annuity Corporation, Newark, DE, a wholly owned subsidiary of New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Underwriting approval is required to purchase coverage and a medical exam may be required. Premiums vary by issue age. The company reserves the right to increase premiums in the future on policy forms [ICC14-LTC6, LTC6, LTC6-U, ICC18-LTCD PLCY (0218), LTCD PLCY (0218), and LTCD-U PLCY (0218)]. For costs and complete details of the coverage, contact your agent, or the company. New York Life Insurance Company and New York Life Insurance and Annuity Corporation each have sole financial responsibility for their own products.
This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care, NYL My Care, or Asset Flex policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.
ICC23-5058077
1LongTermCare.gov, How much care will you need?, 2017.
2LifeHappens.org, When should I buy long-term care insurance? 2023
The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy forms LTC6 (CA), and LTCD PLCY (CA) (0218) are issued by New York Life Insurance Company, New York, NY. Policy forms AF-MP-CA and AF-SP-CA are issued by New York Life Insurance and Annuity Corporation, Newark, DE, a wholly owned subsidiary of New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Underwriting approval is required to purchase coverage and a medical exam may be required. Premiums vary by issue age. The company reserves the right to increase premiums in the future on policy forms LTC6 (CA), and LTCD PLCY (CA) (0218). For costs and complete details of the coverage, contact your agent or the company. New York Life Insurance Company and New York Life Insurance and Annuity Corporation each have sole financial responsibility for their own products.
This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care, NYL My Care, or Asset Flex policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.
5058077 (CA)
1LongTermCare.gov, How much care will you need?, 2017.
2LifeHappens.org, When should I buy long-term care insurance? 2023
The purpose of this material is solicitation of individual insurance. An insurance agent or advisor may contact you. Policy forms LTCD PLCY (FL) (0218) and LTC6.1 (FL) are issued by New York Life Insurance Company, New York, NY. Policy forms AF-MP-FL and AF-SP-FL are issued by New York Life Insurance and Annuity Corporation, Newark, DE, a wholly owned subsidiary of New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. Underwriting approval is required to purchase coverage and a medical exam may be required. The amount of benefits and premium depend on the product options selected. Premiums vary by issue age, gender, and underwriting risk class. The company reserves the right to increase premiums in the future on policy forms LTCD PLCY (FL) (0218) and LTC6.1 (FL). The policy cannot be canceled, non-renewed, or otherwise terminated on the grounds of age or deterioration of your physical or mental health. To be eligible for long term care benefits, the insured must be a chronically ill individual, with qualified long-term care service provided pursuant to a plan of care prescribed by a licensed health care practitioner. For costs and complete details of the coverage, contact your agent or the company. New York Life Insurance Company and New York Life Insurance and Annuity Corporation each have sole financial responsibility for their own products.
This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care, NYL My Care, or Asset Flex policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.
5058077 (FL)
1LongTermCare.gov, How much care will you need?, 2017.
2LifeHappens.org, When should I buy long-term care insurance? 2023
The purpose of this material is solicitation of individual insurance. An insurance agent may contact you. Policy forms LTC6 (NY) and LTCD PLCY (NY) (0218) are issued by New York Life Insurance Company, New York, NY. Policy forms AF-SP-NY and AF-MP-NY are issued by New York Life Insurance and Annuity Corporation, Newark, DE, a wholly owned subsidiary of New York Life Insurance Company, New York, NY. These policies have exclusions and limitations. The amount of benefits and premium depend on the product options selected. Underwriting approval is required to purchase coverage and a medical exam may be required. Premiums vary by issue age. The company reserves the right to increase premiums in the future on policy forms LTC6 (NY) and LTCD PLCY (NY) (0218). For costs and complete details of the coverage, contact your agent, or the company. New York Life Insurance Company and New York Life Insurance and Annuity Corporation each have sole financial responsibility for their own products.
This material may not provide complete details regarding all features and benefits offered by a NYL Secure Care, NYL My Care, or Asset Flex policy. In all cases, actual policy language will govern the administration of the contract. Benefits may vary by state. Check with your agent for specifics.
5058077 (NY)