Traditional long-term care insurance has a use it or lose it element.  Linked benefit plans combine a universal or whole life insurance policy with long term care coverage.  If you don’t use all of the long-term care benefits, coverage reverts to life insurance that is paid to your beneficiary upon your death.  The linked benefit plans can be funded with a single premium, includes a money-back guarantee and deposits grow tax-deferred at current interest rates. 

Under a reimbursement policy, you receive the actual cost of eligible benefits when they are received. 

Indemnity policies pay a set dollar amount when you are receiving covered long-term are services giving you more flexibility in how the money is used.

Personal Appointments Available

MDA Insurance provides the option of on-site visits to discuss the issues that apply to your particular situation. To set an appointment at your convenience, please call (800) 860-2272 and ask for an appointment.