Long Term Care Insurance


Long-Term Care insurance provides financial protection and offers peace of mind in a world full of uncertainties. If recent times have taught us anything, it's that life is unpredictable.

A little planning goes a long way.

  • The likelihood of needing long-term care increases as you age.
  • Regular health insurance does not cover most long-term care services.
  • Medicare does not pay for most long-term care services.
  • Medicaid may pay for some long-term care — if you qualify.

We can help too! For questions, please call our Financial Services Coordinator, Diane Stockwood at 314-657-9671 or email her at dstockwood@togethercu.org

Hear from our own people on the importance of Long Term Care:

Harvey Brandvein, VP Wealth Management Opened Entry Closed Entry

Picture of Harvey Brandvein

“Long Term Care assistance is needed when you lose your ability to do normal daily activities such as bathing, eating and dressing. It typically affects those as they’re progressively aging; however, individuals of any age may need long term care services due to an illness or accident as well. 

Regardless of one’s age, a long term care situation will truly change the family dynamics suddenly.

I’m part of a large family and when I was a teenager, my Grandmother came down with Alzheimer’s disease. Her 4 children couldn’t agree on the best way to take care of her and there was never a conversation to come up with a plan if Grandma needed long term care assistance.

For over 15 years, she lived and died in a nursing home which was emotionally and financially devastating for my family.

Because of the dramatic impact it had on all of us, my wife and I purchased Long Term Care Insurance after our 3 kids were born as I didn’t want what happened to my Mom’s family happen to mine. ”


Demi Bohr, Organizational Effectiveness Consultant Opened Entry Closed Entry

Picture of Demi Botonis

“The turning point for me was when I recognized the wide age range of people living in the nursing home where I worked.

I thought nursing homes were only available to older individuals, and it was far from that. We had individuals in their 20’s who ended up there from life-threatening events, which left them dependent on long term care. 

You really never know what’s going to happen to you, but if something traumatic does happen, you could be placed in a home.

I thought to myself… ‘At any point in my life this could be me’, and I would have to be financially ready for it.”


Bob McKay, Chief Executive Officer Opened Entry Closed Entry

Picture of Bob McKay

“It’s very important to plan for the future and to protect your assets.

Long Term Care Insurance provides the opportunity for our members to learn about the expectations as they and their families get older, and the need for health care significantly changes.

We want to make sure that we are there for them to provide the tools, programs and most importantly the education about being prepared and understanding what is likely to happen when we get older.

That is why we started this program.”


Additional Facts:

Long erm Care Insurance by the facts!

Helpful Article:

3 Ways to Prepare Your Aging Loved Ones for the Next Crisis »