Long-Term Care Solutions

ALPA is committed to supporting members who face caregiving needs or responsibilities today or who may in the future. Someone turning 65 today has an almost 70 percent chance of needing some type of long-term care services and support in their life. Your union is excited to now offer caregiving solutions and long-term care insurance with these new programs.*


This unique portal provides easy online access to caregiver guidance, expert solutions, and answers to questions that confront families at every state of the caregiving journey. Learn more »

Long-Term Care Insurance Marketplace

Plan for your own extended care need with a variety of products to alleviate the physical, financial, and emotional toll an extended-care need can cause to you and your family. Learn more »


Long-Term Care Q&A

Q: What is long-term care?

A: Long-Term Care consists of assistance for everyday tasks that you may no longer be able to perform by yourself. For example, there may come a time when you need help getting dressed, transferring, or bathing. Long-term care also includes help in case you have a severe cognitive impairment, such as Alzheimer's disease. You can receive long-term care in a variety of settings, including your own home, a nursing home, or an assisted living facility. 

Q: What are my odds of needing long-term care?

A: The odds are that you will need long-term care at some point in your life, and you may need it sooner than you think. 70% of people over the age 65 will need long-term care, and nearly 40% of people currently needing long-term care services are working adults aged 16–64. 

Q: Why would I need long-term care insurance (LTCi)?

A:  Long-term care, without coverage, will be expensive and can deplete your hard-earned savings. The national average cost for nursing home/facility care is over $90,000 annually, and home care is over $50,000 per year.

Q: Doesn't my existing health insurance or other insurance cover long-term care?

A:  You may think that you are covered by your existing health coverage plan, but in most cases you are not. 

Q: Do ALPA members have access to LTCi?

A: Beginning March 28, 2022, ALPA will be providing members with access to a Long-Term Care Insurance exchange. The marketplace will offer members a choice of various LTCi plans depending on the member’s state of residence.

Also available is YourCare360, a free resource for members to inquire about various aspects of caretaking and caregiving, including a free home assessment by a nurse.

Please note: Announcements will be made via the e-mail that is registered in the ALPA Membership system. If a member has a “do not contact” on their account, they may not receive these announcements; however, we will be updating this page with the information as well.

Q: What LTCi plans are available?

A: The marketplace will offer a choice of traditional LTCi or hybrid plans. Hybrid plans typically are life insurance plans with long term care benefits. The type of plan and benefits will depend on where you reside and what plans are available in your state.

Q: Do I have to submit to a paramedical or other types of exams?

A: Traditional Long-Term Care insurance and life insurance with LTC benefits are typically medically underwritten.  One carrier available, LifeSecure, does provide a simplified underwriting screen to new ALPA members within their first six months of membership.  That six month window is a one-time opportunity for new members to apply with the simplified underwriting, so make sure to reach out to the team at ACSIA Partners to discuss if you qualify.

Q: Will the plans be portable when separated from the company, ALPA, retirement, or no longer paying union dues?

A: The plans are fully portable. Upon retirement or separation from ALPA or the employer in any way, members can keep the coverage if the premiums are paid when required.

Q: Will dependents (spouse) be eligible for coverage too, or is this benefit only for the union member?

A: Dependents/spouses are eligible for coverage if they meet the insurance company’s underwriting criteria. They also do not have to enroll in the same plan as what the member elects. For example, you can purchase a traditional plan for yourself and a hybrid plan for your spouse.

Q: Will there be plans available that will allow for accelerated premium payment schedules? (Example: I’d like to find a plan that allows for my premiums to be paid in full by the time I retire.)

A: Yes, there is an opportunity, based on where you live, to have a “paid-up” or accelerated payment component, i.e., 10-year payments. For details, we will need to refer your question to a licensed professional in long-term care from ACSIA Partners.


*ALPA does not administer these programs and is not recommending any specific product or service. ALPA encourages members to carefully consider their personal circumstances and review their options. Any transactions will involve highly personal decisions and arrangements as to long-term care made directly between the member and ACSIA Partners.