Coronavirus Information:
Bradley University will continue on-campus, in-person classes for the spring 2021 semester with limited restrictions.

Long Term Care

If you’re wondering whether the term “caregiver” applies to you or someone in your family, it probably does. A caregiver is anyone who helps an aging, ill, or disabled family member or friend manage their day-to-day lives.

It’s a demanding job that can combine routine tasks with life-changing decisions. The only thing you can know for sure about your role is that it’ll change as your loved one’s needs change.

Whether you expect to be a caregiver or not—and even if you’ve been doing it for years—it can feel overwhelming. As you scramble to make sure your loved one’s needs are met, your own well-being can easily get lost in the shuffle.

In addition to your caregiving duties you might be wondering how you will be able to pay for your own care as you age. Bradley offers LTC insurance to help with that challenge.

Plan 1

  • Long Term Care Facility – 100% of Facility Monthly Benefit Amount
  • Professional Home and Community Care - 100% of Facility Monthly Benefit Amount

Professional Home and Community Care Services” means Qualified Long Term Care Services provided to the insured for at least one hour or more per day by/through a Licensed Home Health Care Agency, by a Licensed Home Health Care Professional, or in an Adult Day Care Facility.

Plan 2

  • Long Term Care Facility - 100% of Facility Monthly Benefit Amount
  • Total Choice Home Care - 50% of Facility Monthly Benefit Amount

Total Choice Home Care Services means Qualified Long Term Care Services provided to the insured by anyone including a Family Member, by/through a Licensed Home Health Care Agency, by a Licensed Home Health Care Professional, in an Adult Day Care Facility or by an informal caregiver.

Plan 3

  • Long Term Care Facility - 100% of Facility Monthly Benefit Amount
  • Professional Home and Community Care - 100% of Facility Monthly Benefit Amount
  • 5% Simple Inflation Protection: The insured’s Facility Monthly Benefit will increase each year on the Policy Anniversary by 5% of his/her original Facility Monthly Benefit.

Plan 4

  • Long Term Care Facility - 100% of Facility Monthly Benefit Amount
  • Total Choice Home Care - 50% of Facility Monthly Benefit Amount
  • 5% Simple Inflation Protection

Facility Monthly Benefit Amount:
Choose a minimum of $1,000 per month up to an overall maximum of $9,000 per month in $1,000 increments.  New employees have the opportunity of Guarantee Issue (GI).  GI allows employees to enroll in a benefit amount up to $6,000 with no medical underwriting (no health questions).  

Facility Benefit Duration:
Choose benefit duration of 3 years, 6 years or Lifetime. Under the Guarantee Issue provision new employees can enroll in benefit duration up to 6 years with no medical underwriting (no health questions).  

Lifetime Maximum:
The Lifetime Maximum is the total dollar amount of benefits that will be paid under the policy. For example, if a person selects a $3,000 Facility Monthly Benefit and a three year Benefit Duration, the Lifetime Maximum would be calculated as follows:

Facility Benefit Amount x (Facility Benefit Duration x 12) = Lifetime Maximum

$3,000 x (3 years x 12 months) = $108,000 


*Note:  Late Enrollees (any employee beyond 31 days of hire date) must submit Evidence of Insurability with application and be approved for enrollment.