Long-Term Care Insurance

Long-term care insurance helps cover the cost of care if you are no longer able to care for yourself.

Coverage under the Long-Term Care Insurance program is completely voluntary and provided by New York Life. You may enroll at any time during the year directly with New York Life by calling 1-631-845-0936 (not online when you make your Zebra benefit plan elections).

You have the option to purchase additional insurance coverage to help offset the potentially high cost of long-term care. This coverage has many advantages including:

Feature	Advantages
Dividends	If approved for coverage, you can receive a policy dividend that is paid in the form of a premium reduction or as a benefit increase (if you are on a claim and receiving benefits).
Guaranteed Rates	Your rates cannot be increased during the first three years you own your policy.
Care Planning	Your policy provides for an experienced planner to work with you and your family to develop a plan of care.
In-home Care Equipment	Your policy includes benefits to pay for the purchase or rental of devices that will let you remain at home for your care, up to a policy lifetime maximum of $4,000.
World-wide Coverage	Care outside the United States is covered on a limited basis.
Hospice Care	Your policy also pays for care in a hospice facility or for hospice services received in your home if you have a life expectancy of six months or less.