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Long-term care insurance

FREE Long-term care seminar: What are your plans to fund post-acute care as you age?’

Wed., April 17, 2019
MDA Headquarters, 3657 Okemos Road, Suite 100 Okemos, MI 48864
Register by emailing Denise Wyzywany at

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Protecting your estate in the event of a debilitating illness or age-related degeneration is what long term care insurance is all about. Advances in medical technology allow people to live longer, but a long lifespan bring with it an increased likelihood of requiring long-term care in an assisted living facility, nursing home, or even in-home health care. Providing financial assistance to help with the staggering cost of long-term care is the goal of long-term care insurance. MDA Insurance offers a wide variety of programs through a number of insurance companies providing you the ability to purchase long-term coverage that is custom-designed to meet your needs and protect your financial security. 

  • single premium plans available;
  • choose indemnity or reimbursement;
  • choose traditional or linked benefit plans;
  • choice of daily benefits for home and nursing home;
  • choice of elimination periods;
  • inflation increase options;
  • tax qualified plans; and
  • discounts available.

Short-term recovery care insurance

For some, Long-term care insurance is too expensive; others want it but are declined coverage due to stringent medical underwriting requirements; and still others may be older than the “ideal” age to purchase it. For these types of individuals who are still seeking affordable protection to help with long-term care costs there is another viable option—“Short-Term Care/ Recovery Care Insurance.”

Final Expense insurance

A type of limited life insurance coverage that provides funds for the cost of funeral, burial, medical bills that are considered to be one’s “final expenses.”

For more information, call Rick Seely at 877-906-9924, ext. 411, or email




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.

Get more information from the U.S. Health & Human Services LTC website.

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.