According to statistics provided by the Health Insurance Association of America, Wall Street Journal, and Modern Maturity, a typical stay in a nursing facility costs at least $50,000 per year, lasts an average of 2.5 years, and affects almost one in every two Americans age 65 and older. The U.S. Government Accounting Office estimates that these expenses (including inflation) will triple in the next 20 years.

For many, the solution is long-term care insurance. Most buy it to protect assets and to preserve independence. However, with more than 100 different policies on the market, finding the right one can be difficult and exhausting. The AIA Trust program is provided by Long-Term Care Quote^SM, a buying service for members who wish to shop for long-term care coverage effortlessly. This service is also available to employees, parents, and in-laws of AIA members and may be accessed by internet or phone.

Upon contacting Long-Term Care Quote^SM, you will receive an easy-to-understand spreadsheet with a personalized proposal from three companies for long-term and home nursing care. The spreadsheet includes plan benefits and options, as well as personalized quotations from the three companies. Long-Term Care Quote^SM uses premier, A-rated companies. Once you choose the company and product that suits you best, you enroll directly through Long-Term Care Quote^SM. Additional quotes are available on request. Many options and benefits are available, ranging from home nursing to hospice care and meal services to medical equipment. These options allow you to customize your long-term care insurance plan based on personal needs or financial considerations. Other important aspects include: premium discounts for preferred health status and spouse coverage; renewal guarantee with timely premium payment, portability, no exclusions for Alzheimer's disease, and waiver of premium while in a nursing home.

The premium rate is locked in at your age at the time of purchase. The younger the member at the time of purchase, the lower the rate will be for the life of that policy. Most individuals who purchase this product do so before age 65.

How to Use This Service
Please click here to access Long-Term Care Quote^SM or if you prefer, you may call Long-Term Care Quote^SM at 800-587-3279. Identify yourself as an AIA member or member affiliate and provide your name, address, age, gender, and marital status, and Long-Term Care Quote^SM will provide the three-company spreadsheet for your review.